The dream of a slow, sun-soaked retirement is colliding with a harsher reality: rising living costs, stretched pensions, and a growing sense that the “golden years” aren’t quite so golden anymore. In the U.K. and U.S., many retirees are having to dust their suits off and go back to work as they realise their nest eggs don’t quite make ends meet. Even wealthy boomers who have retired with at least six figures in savings are feeling the pinch. For…