For many Americans, retirement advice is limited to encouragement to save more or warnings that they haven’t saved enough.
But most people get little guidance or give little thought to what to do with all those savings once they reach this next chapter. Whether they are decades, years, or months from retirement, it can be hard to imagine the life that 401(k) ultimately buys. And it is incredibly difficult to erase the anxiety about whether you are spending too much each year.
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