When I met with my financial planner before I retired, I didn’t pay too much attention to what he said. I should have. The first year and a half was the honeymoon period, enjoying my monthly pension cheques, travelling, sleeping in, and doing volunteer work. Miraculously, there always seemed to be money in my bank account. And then it happened. Unexpected car repairs to the tune of $1,000, extravagant birthday gifts for loved ones, a six-day spiritual retreat in California, and a series of classes.