Everyone thinks retirement is a permanent vacation.

Here's what actually happens.

The first six months, golf, trips, projects, everything's amazing.

But then month seven hits.

Saturday feels the same as Tuesday.

The novelty wears off.

And by year two, a lot of people I meet feel lost.

Because freedom without structure is just emptiness with money. My name is James

Canol. I'm the founder of Rout Financial where we've helped hundreds of people get the most out of

life with their money. And today I'm going to show you how to avoid what I just described,

using both stories from real clients as well as research. So I want you to stop real quick.

Close your eyes if you want to.

When I say retirement, what's the first thing that comes to mind? If you're like most people,

you're going to see images that you've seen on commercials of big financial firms, of people

walk in the beach holding hands, people drinking cocktails on a chair watching the sunset, people

traveling the world and smiling

while they do it. That is absolutely the version of retirement that is marketed to us.

But I want you to be very careful because if you don't take the steps I'm going to talk

about in today's video, the reality of retirement is much different. You think you're going

to be getting a permanent vacation, but instead you're grappling with issues of identity loss, challenges and friction at home, loss of purpose and loneliness.

Now, this lines it exactly with Dr. Riley Moyne's research on the four different phases of retirement.

Phase one is that honeymoon phase.

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