Plenty of retirees enter their golden years with what looks like a solid nest egg. They have a paid-off house, a monthly Social Security check, maybe a pension, and savings from decades of work. On paper, the numbers look comforting.
Yet many discover, sometimes within just a few years, that their money drains faster than expected. That shock doesn’t come from one dramatic mistake. It grows from a mix of economic realities, shifting assumptions, and simple human behavior.
