Most people prepare for retirement the wrong way. They count the years left instead of the skills missing. They worry about rest, comfort, joints and cholesterol, but never about what they will actually do with their mind once the institutional road ends. The result is always the same: an excess of free time combined with a painful lack of purpose. I prefer another image. Not the retiree on a beach chair, not the retiree chasing hobbies like painkillers, but the 4×4 retiree. Not built for speed, built for terrain. A 4×4 is useless on a highway; any ordinary car can do that. Its value appears when the road disappears, and retirement is precisely that moment: when the road disappears. The 4×4 retiree prepares years in advance, not to escape work, but to change its nature. Eight years before retirement, while others scroll endlessly through social media, he learns—not to accumulate diplomas or titles, but to reduce future uselessness. Accounting, systems, automation, decision logic, ...