You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than
Many people can tell you their portfolio balance. Far fewer can tell you what else determines whether their retirement actually works.
That's understandable. The
Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty.
It sounds reasonable. But research
You know how life tends to throw in a few plot twists?
They don't ask if you're ready. They just show up—with potential financial consequences tagging along.
A
Many people don’t regret being retired. They regret how they got there.1
“I wish I had saved earlier.”
“I didn’t think long-term care would matter.”
“I should’ve
