Why not touch the million?
Less money at work means less income.
It gets more expensive to live every year.
Bad combo.
So how does not touching the million help with “It gets more expensive to live every year.”?
We’ve been retired completely for 5 years. We travel extensively in the US and internationally and go to LV several times a year. We party hardy with friends, go out to eat often,have fun hobbies and so forth. Every day is Saturday. We read articles saying you need X millions to retire...you don’t. Most people retire with much less yet have a great time. As you get older infirmities or illness can interfere with your ability to enjoy life together. Every day is a blessing. If you want to experience something, do it. Don’t put it off. I’ve never seen a hearse with a trailer hitch.