There are 2 sides of Second Innings of Life & 3 phases of Second Innings of Life,also identified as- Retirement & Retired Life.
(1)
Frustrated Retirement & Painful Retired Life .
(2)
Well Planned & Well Prepared Retirement & Pleasant Retired Life.
The first one is forced upon Oneself ,while the second one is anticipated or eagerly looked forward to by Oneself.
In the first one,One is not Financially Independent, while in the second one,One is Fully Financially Independent.
In the first one,One has to work to secure cash flows for livelihood expenses,while in the second one there is no compulsion to work, instead it offers a choice , either to work or not to work & if at all, to work,it sets its own terms for work.
No purpose to discuss, more ,for the first type of Retirement, because the struggle of survival continues ,pain & suffering is part of Life.
But, yes, the Second type of Retired Life has 3 distinct phases.
Usually 58 is the government recognised age of Retirement.
Longevity & Survival up to 90 years is more or less a Normal now.
Some may take 60 or 62 or 65 as Retirement Age .
In short ,Retired Years’ life spans over 32 years at the maximum to 25 years at the minimum.
Whatever it may be ,Retired Years have 3 different & distinct phases.
Plan for these phases & prepare well to enjoy all of them.
One by one,as follows
(2A)
Retirement Years of Pleasure.
NATURALLY,Over decades life lived,one is definitely sure about issues which please Oneself. There may be many such,but identify few ones that fit in your Retirement Cash Flows very well & pursue them,to the fullest.
This phase stretches till 70 years of age & usually One is fit enough to enjoy as in the late fifties .
So while physical fitness is good enough,make the best use of Financial Fitness to pursue One’s pleasure domains as much as possible.
(2B)
Retirement Years of Purpose.
From Pleasure Pursuits in first phase of Retired life,do find out one, which can serve a purpose to family, extended family, society, locality,village,town ,city,state ,nation or mankind in general.
This fires One’s Retired Years of Purpose, decade ending by age 80.
As it is one of One’s pleasure issues,it doesn’t need much push ,it is comfortable to sustain it & at same time it fulfills a purpose of One’s life & Others as well.
It may yield recognition or NO recognition but it must yield an immense sense of pleasure to Oneself.
Just ignore the recognition aspects, simply focus on One’s pleasure plans.
Personal example.
Languages & Mathematics were my favourite subjects in school days ,but became Anaesthesia Specialist Doctor.
Now as I explore to write on Personal Finance,I do enjoy a lot,simply because,it satisfies my literary creativity urge, making best of my love for Languages & Mathematics.
To write on Personal Finance,One needs ,both,love for & reasonable command over,both, Languages & Mathematics.
(2C)
Retirement Years of Peace.
Pleasures & Purpose should ideally lead oneself to Peace.
Last decade,that may end by the age of 90,must be a decade of Peace.
It should be like,Someone ,whose flight ticket is booked in the best possible flight, best possible class,with best possible facility on board,for destination of One’s choice & One is at the Airport, relaxing,in Airport’s lounge befitting One’s booked ticket class,in best possible lounge,waiting for flight to arrive.
&
One is looking forward to journey ahead, earnestly, having fulfilled the job ofOne’s visit to this Planet Earth.
As Simple As That,Sirs
rkhgajjar 
What a write-up! It’s always wonderful to hear from the author