That hasn't been my experience. Through the 11 years between when I retired and when I could go on social security at age 62 a couple of years ago, I never had any income that could be planned on. Somehow the value of my financial assets still went up every year. Right now, my social security is my only steady stream of income. As of now, the value of my financial assets has roughly tripled from where it was when I retired.
When I was working, I didn't run out of money on any of the days between paydays, so I figured that needing a steady stream of income wasn't an unshakable rule. Didn't even run out of money those couple of times when I decided to take a summer off from work to take a long road trip, or just to goof off for a summer, working on a landscaping project at my house.
I think you might have taken my comment too personally.
I was trying to convey that most retirees these days have too much debt and need too much money to cover their “living” expenses.
I do t have any meaningful debt, and I own my house and cars. With a modest rate of return I could live to 110 without touching my Social Security.
But I am afraid you and I are not “normal” these days.