Opher Ganel
1 min readSep 13, 2023

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Great read Brian. I'd add a slight riff on that, to start three lists.

First, what activities would I do routinely if I was retired today? Second, what occasional activities would I do if I was retired? Third, what one-time activities would I plan for retirement (aka bucket list)?

Then, for each item on each list, I'd ask myself why I'm not already doing (or planning for) those.

If the answer is lack of time, I'd leave that item on the list. If it's lack of sufficient money, I'd ask myself how I plan to have enough when my paycheck stops. If I can't come up with a reasonable answer for that, I'd move the item to a wish list. If I'm not engaging in an item but it isn't for lack of time or money, I'd remove the item from the list - it's clear I won't really do it in retirement.

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Opher Ganel
Opher Ganel

Written by Opher Ganel

Consultant | systems engineer | physicist | writer | avid reader | amateur photographer. I write about personal finance from an often contrarian point of view.

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