It seems, sometimes, as though financial professionals come in only two flavors.
There are those who promise everything is going to be fine; you don't have to fret about retirement, they say, because they'll help you make more than enough money to get you through.
And then there are the hand-wringers who just can't stop with the worrying and their warnings that you'll never have enough.
Somewhere in the middle is the reality, of course. Retirement should be a reward for years of hard work, and you don't want to have to pinch every penny. You should be able to do the things you couldn't when you were punching a clock every day.
You should be able to look forward to retirement as one of the best times of your life.