The key to transitioning to retirement from working is planning. Not financial planning, per se, but life planning.
Too many financial decisions are made in isolation, and not by looking at the big picture.
The financial needs of both spouses should be addressed in a financial planning relationship.
Retirement income needs change at different life stages, ranging from the go-go years to the no-go years.
Regularly putting some money aside into savings is crucial during these tough times.