Retiring is stressful
Even if you're more than ready to tell the workplace to kiss your behind, actually transitioning to the state of not working can be stressful. Not only do people need to get used to their new retired identity, but they also have a bunch of really complicated financial decisions to make.
"From a financial perspective there are a lot of decisions to be made," Munn says. "There are decisions about when to take Social Security; decisions about pensions; decisions about health insurance; about their investments."
Many of the decisions are irreversible. It can be stressful to make decisions that will literally affect you for the rest of your life.