Retirement: how does it look to you?

Many people spend decades of their working life dreaming of what they want to be when they grow up, while they clock on and clock off all in the name of paying bills, making ends meet or raising a family.

But for some lucky souls, work represents meaningful social connections, a way to express and explore personal values and passions and chances to learn and master new skills.

A range of factors, including whether you fall into camp one or two, will affect how you view and manage the transition to retirement.