Congratulations on amassing such a robust retirement nest egg — $8 million is a true feat. Oftentimes, when I respond to letters like yours, where the person has millions of dollars saved, I get feedback from other readers who are frustrated because they think all that money will make retirement an absolute breeze. The truth is, the money definitely helps — there’s no question about it — but if you don’t have the right plans and protections in place, or you don’t keep to some sort of reasonable budget that allows you to live within your means, you could be at risk of falling short in your retirement too.

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