Exactly right.
So many people avoid this topic and process, probably mostly out of fear because of how unprepared they are and that it's easier to stick their heads in the sand but it really isn't the best way to go. Confront and address it and the later stages of life can be awesome. I'm not all that old, still rockin' it and that seems like the perfect time to further enjoy the life I've created (through hard work) by getting my time back and living my best life.