Kristen Pagulayan
The not so golden, golden years
Retirement--- the holy grail,the light at the end of the tunnel, the paved road…Finally the time that you can relax, sit back, enjoy time with your spouse, take up those hobbies you never had time for, spend time with your family, take that vacation you always dreamed of. Unfortunately, as that retirement age gets pushed further and further up and as we need more and more money to maintain a comfortable existence. We are finding that retirement is not all that it’s cracked up