 This year, over 4 million people will turn 65. They will have more money than ever, they will have better health than ever, and most will have at least a 20 to 30 year life expectancy. Eventually, the calendar catches up with all of us, and you are staring down the barrel of your long-sought-after golden years. It will be here much faster than you thought, and how you prepared in advance will determine which retirement you will enjoy. Will it be the one that just happens by chance, or will it truly be the one you diligently plan for by choice?