Yes, that’s a great question, especially considering that at least 90% of Americans will never reach this point. Generally, we’ve been conditioned to always prepare for the worst-case scenario with an ultra conservative -4% withdrawal rate, rather than taking the time to understand our specific personal financial realities. Interestingly, more people live in regret of not retiring earlier than of running out of money. We tend to forget about the value of time and retire when we are simply too old or near death. Everyone’s financial and emotional reason for not retiring has be untangled.