Worries persist that working Americans aren’t saving enough to afford a life of leisure, but maybe retirement isn’t all that it’s cracked up to be.

A new book suggests that barely half of retirees think their lives improved after work, while the same percentages are able to comfortably adjust to this new lifestyle or adequately plan for it. Among the culprits: loss of identity, deterioration of marriage and social life, feeling disconnected to the world, a lack of structure and direction.

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