The Wall Street Journal recently released a visual breaking down how people spend their time in retirement. The visual shows that the majority of a retiree's time is spent on sleeping, relaxing and leisure, and watching television.

Most of us create this beautiful image of what retirement will look like, but the reality is (likely) much different. Why? Well, the image we create is based on who we are today, while the reality will be based on who we are at retirement age.

The traditional concept of retirement is grounded in a foundational assumption that there should be a "before and after" within your life. I would propose a reframe: The goal is to design a life that you don't need to retire from.