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You've worked hard all of your adult life, and you've managed to save enough money to accumulate a nice Retirement Nest Egg. You should be proud of your accomplishment. But will you be able to use ALL of that nest egg during your retirement? You won't if your'e like most people.
Because your wealth has enemies, and they are insidious, just waiting to erode your hard-earned savings!
Once you've made the transition from the accumulation phase (working) to the distribution phase (retirement), you have some additional problems with limited options (unless you want to go back to work).
Let's look at the new set of problems as you are near or in retirement.