According to a survey conducted for Civic Ventures reported in Time magazine, 24% see retirement primarily as “a time to enjoy leisure activities and take a much deserved rest,” like the couple reported in Reader’s Digest who took early retirement at 59 and 51. “Now they live in Punta Gorda, Florida, where they cruise on their 30-foot trawler, play softball and collect shells.”   According to the survey, 59% of older Americans see retirement as “a time to be active and involved, to start new activities, and to set new goals.”  A time to create, to study and teach, to grow and share food, to tell and write stories, to…