I was catching up with a dear friend, talking about all that had happened in her life since she was laid off from a company where she’d worked for many years. Although she had been restless long before the layoff, she had postponed taking action (despite my urging), hoping that seniority, a track record of glowing reviews, and being well-liked in the company would allow her to hang on for a few more years, long enough to cross the retirement “finish line.”