Retirement is a big change. You no longer go to work every day, you may move into a different home or even to a different state, and you suddenly have a lot more time on your hands — and maybe also a lot less money. Whether it’s right around the corner or years away, it’s important to be prepared. Here are five surprising things about retirement that no one ever told you.

You’ll develop a new identity

Most people work for 35 years or more before retirement. That’s plenty of time for your job to become your identity. But what happens when you no longer have that to fall back on? Many people find that they develop a new role such as volunteer, traveler, or gardener. Starting over can be scary or it can be a great adventure–it’s up to you to decide.

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You may not enjoy retirement

Lots of people retire only to find out . . . it’s not everything it’s cracked up to be. We’re not trying to say retirement isn’t great (lots of people do love it), but you may find that you enjoyed your career more. That’s ok! There are no rules that say you HAVE to retire. If you find that it’s not your cup of tea, you can start your own business, use your skills to teach others, or go back to your preferred vocation.

Expect the unexpected

When you think of retirement, you probably picture relaxing afternoons by the pool, warm days on the golf course, or fun weekends with the grand kids. But just because you’re retired doesn’t mean bad things will cease to happen. Cars can break down, hot water heaters can break, and roofs can leak. Be prepared for the unexpected, both mentally and financially.

Social Security won’t pay for everything

Even if Social Security is still around when you retire, you can’t count on it to pay all your bills. In fact, it’s only intended to replace about 40 percent of your income if you’re a middle-class earner. If you still have a mortgage, car payment, or credit card debt, you’ll probably need another source of income.

Relationships require work

Retirement can feel lonely. Friends may move away, grown children have their own lives, and your work network is no longer a part of your daily life. As a retiree, it takes effort to maintain personal relationships and keep them thriving. Plan date nights with your spouse, go on outings with your children, or join clubs to make new friends.