What is pre-retirement, and why consider it?

If you’ve never heard the term pre-retirement, you’re in good company. Monica Scudieri, author of the forthcoming book Grab Your Slice of Financial Independence (opens in new tab), never really thought much about retirement, let alone the “pre-retirement” stage, until she was a few years away from quitting her 9-to-5 job.

“I got divorced at age 40, and suddenly my finances were a crisis to be addressed,” she explained. “Divorced, two preschool-aged kids, and $257k of debt. Nerve-racking would be an understatement.”

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