I'm a boomer who's about to retire at 59. I'm nervous about retirement because I'll have less income and too much free time.

• After 20 years of teaching in Texas schools, I am retiring early at 59.
• My pension will be less than half of my current salary, so I'm going to freelance to make ends meet.
• I'm also nervous about the free time I will have and the total lack of structure.

For the last 20 years, I've had the same two alarms set ever weekday — one at 5:15 a.m. and one at 9:17 a.m.