For me I'd say it's the feeling like I should be doing something. I thought that I wanted to do programming once I retired, but now having been retired for 2 years, I haven't even finished the course I started taking online. But every day I have a nagging sense of guilt that I *should* be working on it. Also, I don't keep up with the house chores as well as I'd like to, and am not exercising as much as I think I should, which make me feel guilty as well. I think I need to learn to let go of the "shoulds".