I will turn 65 in a few months and have announced my plans to retire. I have a long list of things I want to do, and after 50 years of employment and saving, I am well situated for these next years. At least, that is what my financial adviser and balance sheets tell me.

I really yearn for more discretionary time and my physical health tells me I need to get out from under a desk. My problem is that I am getting cold feet about leaving a paycheck behind.

After a lifetime of saving, how do I let myself relax into just spending?

I know this is a good problem to have on the surface, but it really is torturing me. I need some words of wisdom to help me get to the other side. Can you help me?- Undecided Plans

This is a transition, a big one. While it might seem like a phase of life that one would leap into happily, it’s right to acknowledge the complicated feelings around it, too. You’re shifting the way that you live and breaking routines that you’ve had for decades. This is going to take some adjustment. Give yourself space and time to feel that and the freedom to change course whenever you want.