People today are living much longer, and retirement can easily stretch beyond 30 years. If you live to 90 or even 100, the 4% Rule may no longer feel safe. So, what should you do?

很多人在退休时，最大的担忧不是市场波动，也不是通货膨胀，而是一个更贴近生活的问题：“如果我活得比我的钱久怎么办？”

One of the greatest fears people have about retirement is not market volatility, not inflation, but something far more personal: What if I live longer than my money lasts?

很多人在规划退休时，最担心的一句话就是：“我的钱够用到老吗？”事实上，研究和真实生活经验显示

When people think about retirement, many worry about whether their savings will be enough. A common fear is: “What if I run out of money?” But interestingly, research and real-life experiences show that

担心钱是很自然的事 —— 毕竟财务安全感在退休生活中很重要。但有一个常被忽略的真相是：在退休阶段，钱往往是你最不需要担心的问题

It’s natural to worry about money — after all, financial security plays a big role in our future comfort. But here’s the surprising truth: money is usually the problem you need to worry the least about in retirement.