For decades, Gerald followed every piece of financial advice he could find. He maxed out his 401(k), stayed invested through downturns, and even bought a modest rental property for extra income. Now, at 61, with $2.8 million saved, no mortgage, and two grown children, he should feel ready to relax. Yet every time he thinks about retiring, he freezes.
"I've run the numbers," he says. "But the moment I picture pulling money out instead of putting it in, my stomach drops."
