You have worked hard to build up your retirement savings. You and your family live in a beautiful home. Yet, you still worry at least a little about whether you have enough money to really enjoy yourself, and to pay the bills for the rest of your life, including the late-in-retirement expenses for long-term care or a health crisis.
Perhaps that’s because other than Social Security, we rely largely on ourselves for building savings and the plans to access those savings to the best effect when we retire. The IRS, however, has spent some time on this issue, too, and that may prove helpful.
