Even if you have a well-funded nest egg, giving up a paycheck is hard. Here's how to start the journey.

While not as terrifying as aerophobia (fear of flying), as common as nomophobia (fear of being without your phone) or as unnerving as coulrophobia (fear of clowns), fear of retirement is a real phenomenon for millions of older Americans.

If you’re behind on saving, the fear is probably warranted. But even if you’ve accumulated a substantial nest egg, the thought of going without a regular paycheck may be scarier than a roomful of circus clowns...

READ MORE ON KIPLINGER