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Rather than just try to live with the stress of Pre-retirement financial stress syndrome, see a fee-for-service financial planner and get a solution mapped out.
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Great article and Important advice. At the same time it can be very useful to have an idea of what one wants to do during the retiring years. How one uses these years greatly influences how much money is needed. Going back to work doesn’t necessarily mean one needs the income. Rather it can be an activity that is both enjoyable and productive. If one pursues a passion that produces income as well, then having a boatload of money isn’t as important.
Taking care of your health is also tremendously important. Disease is costly both financially and in terms of enjoying these later years.