Deferring Gratification

In my mind it doesn’t matter it it “works out,” I don’t care if I break even. I care that I have enough SS, pension and IRA income to do what I want when I want without worrying about running out of money. By delaying our retirement until 70, we have achieved this goal.

When I referred to “working out”, I didn’t mean financially, I meant regarding longevity. Delaying gratification to have more money in retirement doesn’t mean much if one is dead before retirement.

But being alive and not being able to do everything you want to do no matter the expense is not the retirement I wanted.