5. Your partner will be thrilled to join you in traveling around the country in an RV, playing golf 24/7, and/or...

Think again, because it's highly likely that you're not even remotely on the same wavelength. Again, it's really important to take time in your planning. Find out what your partner expects from retirement long before you retire. And while you're at it, make a commitment to the health and growth of your relationship, now, before you retire. It's impossible to have a happy retirement if you're in a dismal relationship.

6. Retirement means the end of life as you've known it.

Don't be fooled into thinking that what you do in your present life is more important than who you'll be in your retirement. How will you spend the precious gift of the next 30 years? You could crawl in a hole and pull the dirt in over you. Or, you could make each day a grand new adventure.

Seize the opportunity to grow and stretch into the best possible you. By moving away from the materialistic "What am I", of your pre-retirement life and moving toward the more spiritual "Who am I", you'll be traveling on the path of a rejuvenating and revitalizing retirement.

7. You're too old to make a difference.

Baloney! Okay, you're not as young as you used to be, and the world is a great big mess. But, don't just sit there. Dare to dream. You may not be able to end world hunger, but you could end hunger on your block or in your community. And, if you happen to stumble upon a way to end world hunger in the process, more power to you.

What's important is that you harness your amazing wisdom, resources, creativity, brilliance and ingenuity to impact your small corner of the planet. What are you waiting for?#