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Is this a terrible time to retire?

Retiring is difficult for a variety of reasons.

It can be especially difficult when the economy and the markets don’t cooperate. And that’s on top of the typical retirement challenges, which don’t often get covered.

But if you’re worried about retirement because it’s coming into view, our first post is meant for you.

What If This Turns Out to Be a Terrible Time to Retire? [Morningstar] – “But the same forces that have fueled retirement confidence have the potential to work against new retirees in the years ahead. A 2012 study conducted by researchers at the University of Missouri found that workers often retire when the market is cresting. Somewhat counterintuitively, that has the effect of reducing a portfolio’s durability, unless the new retiree steers most of his assets out of the market and into an annuity.” Some really good practical advice in this post.

Love Song to Costco [Long Reads] – “In the great halls of Costco, two of our greatest fears are assuaged — that of not having enough, and that of not being enough.”