Are You Ready for Retirement? 5 Things You Should Think About First

You’ve had a countdown clock running in your head for years, but unless you’ve planned for these five realities, you may not be ready to retire.

A blurry figure speeds past four clocks on an office wall.
(Image credit: Getty Images)

Time has flown. The possibility of retirement, which seemed as far as the setting sun on a drive home from work maybe 30 years ago, now looks much closer to your windshield.

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Barry H. Spencer, Registered Investment Adviser
Co-founder, Wealth With No Regrets

Barry H. Spencer ( is a financial educator, author, speaker, industry thought leader, financial advisor, retirement planner and wealth manager who has appeared in Forbes, Kiplinger and other publications. He has also appeared on affiliates of NBC, ABC and CBS and was interviewed by Kevin Harrington, an original panelist on ABC’s hit show “Shark Tank.” Spencer’s latest books include “Build Wealth Like a Shark,” “The Secret of Wealth With No Regrets” and “Retire Abundantly.”