When we talk about financial literacy, the conversation almost always runs in one direction: How to budget, how to manage debt, how to start investing. These are the right lessons to teach, and we should keep teaching them.
But after more than three decades working in retirement services, I've come to believe we're missing a critical and significant part of the story. We spend enormous energy teaching people how to build savings and comparatively little teaching them how to hold on to what they've saved.
