Retirement is changing. Forget the hard stop. More people are designing flexible next chapters: phasing down work, consulting, or turning passions into businesses. It's a gradual transition, and 7 in 10 are considering it. #RetirementPlanning #FutureOfWork #FinancialFreedom #RetirementGoals #CareerChange #WorkLifeBalance #PhasedRetirement #FinancialLiteracy