Retirement is supposed to be a time of leisure, when folks who've worked and saved their whole lives get to enjoy the fruits of their labors.

The reality is a lot more stressful. Consider just this one stat: Some 45% of Americans enter retirement still paying off their house. With no more earnings coming in the door, that puts a further strain on savings accounts.

In the video below, senior editor Dayana Yochim and Robert Brokamp, a Certified Financial Planner and advisor of Motley Fool Rule Your Retirement, discuss four of the most surprising things about retirement.

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