Retirement is a fairly new concept, a historical blip that has really only been around for a couple of generations. It used to be you worked until you died \u2014 from a heart attack, childbirth, the flu, or a whole host of illnesses and afflictions that, thanks to leaps in healthcare and improved living conditions, simply don\u2019t exist anymore.\n\nYet, even though it\u2019s a relatively new concept, we all have a common idea of what \u201ctraditional\u201d retirement means: you stop working at 65 to do crosswords, play golf, enjoy senior discounts, dote on your grandchildren, eat dinner at 4 pm and occasionally migrate to warmer climes. This made sense when the age of retirement was more closely aligned with life expectancy.\n\nThat\u2019s obviously not the case anymore. Now, for most, there is a whole other stage of life after 65. Most people have a good 20 \u2014 or substantially more \u2014 years to go. Now retirement can mean pretty much anything, from freedom 55 to working part-time in your 70s.