he has a wealth of experience as a math teacher. but he took early retirement without much planning. >> i treated it as retirement. i said, yes, yes. i'll retire early. foolishly, i didn't make any preparations. >> reporter: a reality check for boomers. plan ahead for what could be decades of leisure time. >> i've had some ups and downs in these five months and i good bit of downs, actually. i would imagine that there will be a considerable element of volunteer work in that mix. to justify the singing and the acting and the -- >> reporter: jeff and jean say with the children all grown, there's money for other things so campaigners say -- let them earn so they can spend. >> if you don't have much money when you're older you won't go out to eat. restaurants won't thrive. you're not going to go and have your hair done. hair dressers won't thrive. >> reporter: and companies