“I will find something to do that will help with the bills is one of many irrational rationalizations Retirement waits for no one; it’s coming fast for the youngest Baby Boomers and oldest Gen-Xers. The stark reality is many people are not ready, and studies show more than half of us wish we’d saved more and had a solid retirement plan.”

“One natural stress response is what psychologists refer to as a defense mechanism—chief among them is rationalization. Rationalization is when we cope with something that causes us discomfort by justifying our actions (or inactions) with what appears to be a logical strategy or story to move forward.”

Learn how to move past rationalizing and move past your retirement struggles.

Another one that I have heard and doesn’t work is, “I don’t need to plan for what I will do in retirement and how I will spend my time. Everything will work out. I will figure it out.”

Oftentimes it doesn’t work itself out unless we put in the work planning for what we want life in retirement to look like.

Read the original post at www.forbes.com