By SharonAnn Hamilton

Dear SharonAnn,

August 23, 2015 (San Diego’s East County) - My wife and I are 60 and 62 respectively looking at retirement in a few years. She is a medical researcher and I am a CPA. We feel we have an adequate income prepared for our future but what concerns me is lifestyle. What are we going to do with the 50-60 hours each week when we are not working anymore? Our kids are grown and independent, our parents are happy in their community of friends. We need outside interests, but who has time? We want to make a difference in our world but how and where? I expect we could live 30-40 years and that is a lot of time ahead of us that right now seems daunting. Signed Kind of Lost.

I am 59 years old and contemplating retirement, with dread. I just cannot imagine myself not going into work each day or being able to afford not working. What would I do with the time? I am alone at home and sometimes even on the weekends I get lonesome. My nest egg is comfortable but not luxurious. I wonder if it will last out my life, though. Guess I could live with my kids if necessary. Eeww! I often wake up at night thinking about my future and then cannot get back to sleep. Signed “Worried”

By Sharon Ann Hamilton

August 10, 2014 (San Diego's East County) - Dear Worried, You are right to be worried! And you are not alone. July 13, 2014 research by US Census Bureau, Saperston, and Bankrate shows us that 80% of people, even as young as 30, do not believe theywill have enough money for retirement. In fact 35% rely completely on Social Security. 76% of people polled cite worries about money as a leading cause of stress. As we all have heard, stress can kill you.