The article discusses an unexpected problem that many retirees face - a reluctance to spend their savings, even when they are financially secure. The author shares the story of their friend Aldric Chen, who advises talking to real retirees to understand the challenges they face.
The author then recounts the experience of Tracy Collins, who retired in Mexico and met other North American retirees there. Most of them had to lower their expectations as prices had skyrocketed due to the influx of American and Canadian retirees. However, the bigger issue was the retirees' fear of spending their hard-earned savings.
The article explains that retirees are terrified of outliving their savings, and even a one-off large expense can cause them significant distress. As a result, many retirees choose to unretire and return to work, despite being financially secure. The author suggests that this hidden spending anxiety can mess up one's retirement plans, even for those who are financially prepared.
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