GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. Some folks spend their entire adult lives looking forward to, and planning for, an early retirement. Given that an early retirement can last 40 years, it’s a period that has plenty of time to surprise you — and your finances. With that in mind, GOBankingRates spoke to a number of financial experts regarding the surprising things that early retirement can have in store for early retirees, plus how to prepare for them.