This article is reprinted by permission from NextAvenue.org.

I had been planning my retirement for years. I read all the literature about my pension and ran all the calculations. I reduced my spending. I got completely out of debt and even added a little padding to my savings. So why did I fear what is supposed to be the best time of life? Why did I awfulize retirement — thinking so much about the things that could go wrong that I was afraid to retire?<…
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