Traditional retirement as we know it, a reward for work well done or the inevitable end of a life well lived depending on your perspective, is changing dramatically. Baby Boomers have created this change because they continue to work beyond the traditional retirement age of 65 in significant numbers. The number over the age of 65 in the workforce has grown to 27 percent for men and 20 percent for women and it is expected to continue to grow. Just look around and you can see them everywhere, from the mall to the marketplace, and everywhere in between. Market research conducted through interviews of Baby Boomers who were still working beyond the traditional retirement age of 65 revealed that approximately one-half of them had to work and one-half of them chose to work. Baby Boomers who were still working because they had to do so expressed themselves in negative ways as victims of unfortunate life circumstances with little control over their own lives. This book provides them with hope that there are positive benefits to doing so even though they arrived at this place due to unfortunate life circumstances. Baby Boomers who are still working because they chose to do so expressed themselves in more positive ways as capable people who had control over their own lives. This book provides them with validation of these same positive benefits. The co-authors, a Baby Boomer and a Millennial, encountered numerous people in both situations with similar, and in many instances identical, experiences of their own. The book is as much about them as it is about the people they interviewed. The Millennial perspective was added because research has shown that Millennials face the same challenges as Baby Boomers, including working beyond the traditional retirement age of 65. Carefully crafted to be used by both Baby Boomers and Millennials, this remarkable resource contains comprehensive information written in comprehendible language about the many components of retirement, including t