Is retirement on the horizon for you? If so, congratulations! You've worked hard through your career, and you deserve the opportunity to live life on your terms, doing what you want to do when you want to do it.

Before you stop earning a full-time wage and begin living off retirement benefits and savings, however, you might want to take a step back and make a plan. Learning things the hard way after the fact -- when it's too late to do much about it -- is a recipe for financial heartache.

Here are four questions you'll want to answer for yourself before you retire (note that one of them includes two related sub-questions).

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Source Fool.com