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Some of the variable in retirement are: how long one may live for, will they need the money for just them or a spouse as well, do they still have annual/monthly payments that must be made, and how much will they need to live comfortably and do what they want to be able to do. After it’s all said and done, the most important question is how long they expect to live for. If they set the retirement fund to last them 30 years but they only make it 25 years that’s not as big of an issue as opposed to if they plan on living 30, but actually live for 40 years. The funds will eventually run out, and then what is left for them to do? They will be too old to work and earn more income, and many may not be fortunate enough to have loved ones support them...
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