Retirement Strategic Plan

The thing I am having the hardest time getting used to in retirement is all the free time. Not long ago, while I was in the work force, I was getting up at 4 AM every weekday. That was what I needed to do to get everything done! With all these looming extra hours that I have now, I find that I feel a little guilty at not using my time efficiently. But there is so much of it! I would also like to be more in a routine, but I haven’t even figured that out. For a few brief moments I entertained the idea of using productivity methods left over from my work experience to gain retirement efficiencies…