Retirement security isn’t about beating the market—it’s about eliminating the fear of running out of money.

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The greatest financial danger in retirement isn’t always the stock market. It’s the constant, nagging fear of running out of money. This anxiety causes many people to underspend and worry, even when their finances are sound.
Here are eight ways to replace that worry with lasting security.
1. Determine Your Spending Baseline
Worry often starts with the vague question, “Am I spending too much?”


