Retirement planning often focuses on numbers—how much to save, when to withdraw, and how to invest. Yet one of the most profound challenges seniors face is not financial at all. It is the emotional toll of watching friends outlive their savings. As life expectancies increase, more retirees encounter peers who struggle financially late in life. Witnessing these struggles creates anxiety, fear, and even guilt among seniors who worry about their own futures. This issue is rarely discussed, but it shapes the retirement experience in powerful ways.
