It's never too early to begin thinking about retirement and it's not just about finances! Guest Dr. Hans Finzel points out there is little middle ground--most retirees either 'love it' or 'hate it.'  Now is the right time to begin planning how to optimize your next stage of life. Tune in to learn why a total 'life of leisure' seldom if ever produces sustained happiness, why you can relinquish authority but remain influential and how to enjoy post-retirement to the fullest while you benefit others. Host Roy Richards suggests a solemn vow to make yourself now to insure your golden years are not filled with regret over 'what might have been.'