There are lots of financial goals to plan for in life. At the top of almost every investor's list is retirement planning. An ocean of ink has been spilled detailing our nation's financial inability to adequately prepare for a comfortable retirement. Though, on some level, this has always been the case, the problem cannot be denied -- the average American is woefully underprepared for life after retirement.

Yet once folks do enter retirement, the challenges they face are almost never talked about. Sure, we like to focus on a loss of steady income as the most noticeable change to expect, but a recent study by Merrill Lynch and Age Wave says there's a lurking variable that's not getting nearly enough attention.

In the following video, Motley Fool contributor Brian Stoffel talks about what this variable is, and some unique ways to go about preparing for it.

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