" Maybe? If you haven’t planned well for retirement you may find yourself coming up short. For example, you and your spouse are 66 and have begun collecting Social Security benefits of $35,000 and you also have a pension worth $10,000 a year and between the two of you there is $250,000 in IRAs invested in bonds. That’s a quarter of a million dollars you remind yourself.
The house still has a mortgage for you refinanced to pay for college and a wedding. So things appear golden until you start to pay the bills each month and you find yourself dipping into the IRAs to supplement the pension income of $45,000. You add it all up and you need closer to $60,000 a year to maintain your current lifestyle "
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