Thanks to a book on retirement and many sundry articles on retirement planning….and people realizing (perhaps) my limited ability to talk on other topics….we do end up talking a lot about retirement.

This is how they react…I have a little conveniently summarised them as follows:

people in the 20s           – ‘what are you talking about?’ retirement happens to grandfathers!

people in the 30s           – ‘hmmm….it is time I did something. Thanks for reminding me…

people in the 40s          – Oh I already have a 80CCC plan….never mind they may be contributing Rs. 10,000 p.a.

people in the 50s         – By now most of them are scared. They tell me “it is not money, what is scaring me is loneliness,

boredom, no clue on what to do when I retire. However when they calculate, somewhere there                                          is fear about money too.

people in the 60s         – Money is not a problem. However subra, one more problem has been added – “I am afraid of

being dependent on my children or spouse. I have always been doing my own things …”

people in the 70s        – just generally worried about dependence, not worried about death, but yes depending on       somebody else is scary….

people in the 80s      – subra health is fine, money is fine…jut got ‘bored’ being on planet earth…

people in the 90s – have not met anybody in this age group…