Retirement: The Surprisingly Hardest Part of Retirement

This video is a sales pitch for this person's financial planning firm. However it also speaks to the psychology of retirement. I know I'll have the same problem he describes. I'll probably make my spouse miserable because of it. I know it, and I'm not sure what I'll do about it.

Before 2020, I had no retirement plan. I was 60 years old. I had attempted to work through something in Excel several times. I considered those spreadsheets "napkin math". They weren't very confidence inspiring. I finally spun the wheel and chose a financial advisor. Yes it's a bit of a gamble. Yes it's somewhat unsettling. Today my confidence is much higher. I'll still worry, but I have a path forward. Some plan is better than no plan.

https://www.youtube.com/watch?v=CgeoYbBaIFE

Jackie S. passed along the following observation:

"Something I experienced and didn't expect....

I had several firms associated with Corning reach out to me with an offer for a FREE financial analysis and plan.

Most provided a cash-flow analysis and a review of my portfolio. Some included topics such as life insurance and estate planning. All very helpful and great opportunities to get educated on these topics. The firms were: UBS (stock options/RSUs), Barnum financial (connected via Metlife), Morgan Stanley (holds the equity funds in the old 1990's ESPP program), Empower (401k manager). They all of course want me to pay them in the long term to manage my assets, but no obligation to do so.

The key point is... if you have assets with a firm, they will most likely offer this up-front for no charge, no obligation. It's a great way to learn about various financial topics and really understand your own situation."