If your pension is not enough to live that retired life of your dreams, it's a reason to be concerned about it. Most people (including myself) are so focused on the presence in their professional careers that retirement becomes a secondary issue.

Suddenly, you are there. It's time to change life gear and enter the universe of retired people. The daily pillars to which your job was related are all gone. The life as retired is about to get started.

Now, it's time to do everything you promised your family and yourself. Travel the world, move to a cozy home close to the beach, or up in the mountains, depending on your preferences.

But, the reality catches up with you faster than you thought was possible.