You can wait until your 40s or 50s to start saving for retirement.

There is a "right" or standard age when everyone should retire.

Retirement planning only involves saving money.

It’s essential to pay off your home loan before you retire.

You’ll be able to work as long as you want to.

Medicare will cover all of your healthcare needs, making costs negligible.

Retiring will automatically lead to better health because of reduced stress and more free time.

Starting healthy habits in retirement won’t make a significant difference.

Retirement is a time of relaxation, so mental health is less of an issue.

Retiring means losing contact with work colleagues and community ties.

Selling a large home and moving into a smaller one is always a smart move.

Retirees need to relocate to places like Florida or Arizona for better weather.

Only people with significant assets need to worry about estate planning.

Retirement will automatically lead to a happier life.