The Biggest Challenge in Retirement

Our mental acuity will decline. I think mine's been declining for a number of years already. So hopefully we'll get older. Hopefully we won't lose capacity. But simplifying our retirement arrangements obviously helps us, but it'll also help those who may have to help us out later on. The biggest challenge in retirement is people leaving too much money on the table because they don't spend enough early on. That's the biggest challenge. If you've been careful all your life and we've spoken about this in previous work, you'll remain so in retirement. It's difficult to change the way you spend your money. We can address all that stuff once your day to day needs are