[lookout123]

eh, thanks. It isn't so much that I worry about what they are saying. I live in a city of millions and I'm licensed in other states as well. there are always more clients to uncover. It's really the stress of sitting with people, looking them in the eye, and telling them horrible truth. They can blame me or not blame me, but it doesn't change the fact that these people have watched their retirement dreams get flushed. it may be by their own decisions but the fact still remains they work for 30+ years with a reasonable expectation of a comfortable retirement. I now have to sit with them and explain that Yes, I know they are ready to make some changes now, but I've run the numbers dozens of different ways and the answer keeps coming back the same - they will outlive their money. It sounds cliche and ridiculous but people don't hire me to watch money - they hire me to ensure they reach life goals. I've been spending waaaaaay too much of my time over the last few months explaining to people that its time to come up with different goals because the old ones? not gonna happen.