By definition, the Baby Boomers (Boomers) are those born between 1946 and 1964, which means the youngest Boomer will turn 57 while the oldest will turn 75 (easy to remember, just reverse the numbers). This is a generation that contributed to trends such as both members of a married couple being in the workforce and working longer. There are more people age 65 who are still employed than any time since 2000. But to what extent is this trend a result of not only a desire to continue working, but a need as well? According to TransAmerica’s Center for Retirement Studies, Boomers have an average of $152,000 saved for retirement, not nearly enough for the years in which they will be retired, increasing the dependence on their Social Security benefits. Factors that have contributed to retirement income include the great recession of 2007-2008, and much more recently, the variability of the stock market’s performance and impact of Covid 19. But let’s examine the very concepts of retirement and being prepared. Not everyone actually is planning to withdraw from the working life at the traditional age of 65. Being “prepared” typically refers to financial circumstances when we think of “retirement”. However, one could argue that being prepared also includes finding ways to continue to make a contribution to the world around them without being financially compensated. I began thinking about this blog from the perspective of “financial preparedness”, but in pursuing the idea it may have evolved into something more interesting.