While a lot of people think that the largest change in our lives are when we are young, it is actually when we are retiring, as it is a massive change from moving from career to nothing, especially considering that our habits have become accustomed to conditions for decades. If on top of this, our retirement will trigger a move to a pension that no longer can maintain our accustomed lifestyle, this makes the change even greater and unlikely for the better. It is far easier to extend consumption than to tighten belts.

This is why having something like Hive on hand at retirement is such a great thing. When you have time to post more and better stuff, you can at least partially make up the shortfall.