
Retirement planning is supposed to be simple. You save, you invest, and one day you stop working. But the truth is, there are hidden traps that can catch you off guard. These aren’t the usual warnings about saving more or starting early. These are the issues that sneak up on people, often when it’s too late to fix them. If you want to avoid stress and regret in your later years, you need to know what these traps are. Here’s what most people miss about retirement—and what you can do to protect yourself.