You probably have a picture in your mind’s eye of what retirement will look like. Maybe you want to spend as much time as possible traveling, or you want to enjoy lazy days with your grandkids, or perhaps you hope to find and perfect a new hobby. It’s wonderful to dream, but are you balancing that dream with reality? Many people fail to make the proper financial arrangements for when they hit 65 and over. That can cause those dreams to evaporate, replaced with worry over how