Interesting compendium of stats. Thanks for posting.
Even if you’ve been able to accumulate some retirement assets they will be subject to the corrosive effects of taxes, inflation, interest on any outstanding debts, and the occasional need to withdraw money to meet unexpected expenses.
For seniors, chasing yields can be very dangerous but there are still some companies out there with longstanding records of consistently paying reasonably good dividends. This may be a suitable way for some retirees to supplement their incomes, if they can tolerate the fluctuations inherent in stock prices.
I say, if you’ve got cash, spend it, or else inflation or the gibmement will eat it all up.