WSJ Highlighted Five Ways You Can Mess Up Your Retirement.

Great tips, here's number #4:

4 Not making a nonfinancial plan

Laura Scharr-Bykowsky, a financial adviser in Columbia, S.C., says she is seeing a disturbing trend among new retirees: emotional troubles, including in some cases depression, marriage breakdowns, and a few too many—sometimes way too many—gin-and-tonics.

"They go from go-go-go to 'what am I going to do after I eat breakfast?' " she says. "They underestimate the emotional toll it will take."

In many cases, she says, they have no plan for what they plan to do when they retire. They have simply quit work, sometimes early, because they hate their jobs and can't handle the stress any more. They have "baby-boomer burnout."

She advises "test driving" more leisure time before you quit by taking more long weekends, by developing routines around hobbies, and by building new social networks—such as golfing buddies and church groups—before you retire.