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Ultimate Retirement Guide
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What people regret the most in retirement

Senior man unhappy

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Not planning for leisure time

If you think you'll be happy reading the paper and playing golf all day, you're probably wrong.

"You need a reason to get out of bed every morning, get dressed and go do something," Murphy said. "Otherwise you are likely to be miserable. Happiness in retirement is closely correlated with the number and strength of relationships you have. Men, in particular, often lose the bulk of their relationships when they stop working because most of their friends are at work. This is by far the most important area to plan so as not to 'flunk retirement.'"

A good plan of action? Have a hobby or two, a regular volunteering gig or even a part-time job to keep your mind active and yourself engaged in your community.

Steve Prezant | Getty Images