香港不設法定退休年齡，由於港人普遍遲婚遲生育，40歲時既要供養父母，又要供養未出身的子女，對很多人這正是上有高堂、下有夫/妻兒的「夾心人」生涯，對退休的思考難免偏向兩極。 一種是最好盡早退休離開打工生涯，做自己年輕時沒有時間做的事，具體要做甚麼倒沒仔細想過。另一種是做到死才算。其實正因為上有高堂、下有家人，退休不單止是個人的事，更需要及早思考，做好心理準備及相應的心態調整。


一般打工仔應在40歲前後思考退休對個人，家人代表甚麼，生活方式將有何改變。二十多歲時定人生目標比較清晰，大概離不開成家立業，買樓，改善生活，養兒育女。轉眼間二十多年過去，自己踏入中年，前面定下的目標做到多少大概心裡有數，可是日後還有幾十年的人生要怎麼過，目標是甚麼卻很模糊。


正因上有高堂、下有夫/妻兒, 更要跟家人好好討論，溝通，一起為更精彩順心的未來數十年好好規劃。

For a Chinese family with specific assigned roles, the concept of retirement does not exist. The male head is supposed to have the responsibility to earn income to support familial livelihood even though he is 70, as long as he is still healthy and workable. Retirement is thus a taboo in any familial conference, not to say announcing the intention of retirement planning at the age of 40.

In terms of planning for retirement, HK people focus predominantly on financial planning and pays insufficient thoughts to psychological preparation and transition. In this respect, HK lags far behind other developed economies.