Thanks for this, Russ. Celia's story is so familiar - $4 million saved, 3% withdrawal rate, and still stuck waiting for "just one more year." The math worked, but she couldn't give herself permission to trust it.
I see this constantly with people approaching retirement. The paralysis isn't about needing more information. It's about needing permission to believe the plan they already have is enough.
Thanks for this, Russ. Celia's story is so familiar - $4 million saved, 3% withdrawal rate, and still stuck waiting for "just one more year." The math worked, but she couldn't give herself permission to trust it.
I see this constantly with people approaching retirement. The paralysis isn't about needing more information. It's about needing permission to believe the plan they already have is enough.
The psychological and emotional aspects of money and the stories we tell ourselves about money are endlessly fascinating to me.
I look forward to following and reading more of your writing about this important topic