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Why I’m Reimagining My Retirement

I thought I had a clear vision of my retirement years. Then, within a span of a few days, I helped my firstborn child move to college and my mom find a retirement community. That shifted my perspective.

My husband and I follow a do-it-yourself, low-cost, keep-it-simple financial strategy. We haven’t faced complicated situations calling for professional advice. Until recently, we never stopped to consider buying an annuity to provide a guaranteed income stream in retirement—annuities seemed too arcane and expensive to be worth the bother, and we figured we could manage withdrawals from our retirement accounts on our own.

When we talked about what life in retirement would look like, we focused mostly on the fun stuff, like travel. Beyond that, we knew we’d downsize someday.

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