This is in conversation from Apple News. I'm Julia Carpenter filling in for Shimita Basu.

Today, how to embrace retirement.

Whether you're 30 years old or 50 years old, preparing for retirement is daunting.

According to several surveys, roughly half of us say we aren't on track to retire comfortably.

You know it's a very abstract concept I think people often have a lot of trouble

envisioning what life is really going to look like at that point. That's Anne Turgison. She's a reporter for the Wall Street Journal who

have covered retirement for decades. If it's hard to imagine your future self, you have less of an incentive to set aside savings so that can actually

affect whether people save appropriately for retirement. Anne and her

colleague Veronica Dagger are out with a series called The Way We Retire Now.

They speak to people with a wide range of retirement experiences, about how they are each making

it work regardless of the number in their bank account.

And though retirement is a rite of passage for almost everyone, Veronica started by reminding

us that each person's experience is unique.

It's a wide spectrum. So there's people who are working into their 90s and happy about it.

And then there are people who are retiring at 40 and are happy about that as well.

In the past, I think there was this trope where you were 65 and you retired and that was sort of the end of your exciting existence on this planet.

Yeah, great parent time. Right, life was over.

And now there's just this renewed sense of excitement and possibility and for many people life is just

beginning when they retire and people are structuring their retirement in various ways in terms of what excites them and what makes them light up.

So the intro to your series, the way we retire now, begins with no

financial right of passage, inspires more hope or dread than retirement. And I want to get into all the complicated feelings around

that in a little bit. But first, Anne, what are some of the broad trends we're seeing today?

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