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You may have enough money to retire and still feel uncertain about taking the step. Retirement is not only a financial decision — it can affect your identity, routine, confidence and sense of purpose. In this article, I explore why being financially ready does not always mean feeling emotionally ready, and introduce my forthcoming book, Retirement: It’s Emotional.
You can be “ready on paper” and still feel unsure. Here’s why retirement is a bigger decision than most people expect — and what to focus on first.
Retirement isn’t just a number. On 26 February 2026, Retirement: It’s Personal launches—built to help you align money, emotions and lifestyle so retirement feels clear, not uncertain.