Imagine this scenario. You’re sitting outside your house in the backyard. It’s summer. You have a glass of your favorite drink. Your hand is cold from all that ice, you are relaxed, surrounded by those you love. Yes, everything is finally set in your life. You have the grandkids running through the sprinklers, the grass under their little toes as green as can be, their laughter filling your ears, the dog chasing behind them. There is the sound of the ice-cream truck somewhere in the background. Ah, summertime. You are finally enjoying your retirement! This is the time in which…