I talk to people who are retired. One does that when one is getting very old and recognizes that continuing in the fast lane is becoming more difficult from both a physical and mental perspective. What I am finding is a difficult problem. Some folks say it was the best decision they ever made – this retirement thing.  They are happy, comfortable, busy with things they have always wanted to do, and would do it again, only maybe sooner. Then there are those who are just miserable. They would return to their career or job today if the possibility existed. They can’t find much that excites them into getting up each morning, and…