My investments tend to be conservative, but Paul has helped me to be not too conservative. Hands wishes she had known more about investments at a younger age, saying she relied on her husband on such matters. I'm still learning, which means I ask Paul a lot of questions. That's a big issue, and there's not an easy answer for it. Their biggest concern is how to make this money last for the rest of their lives.
Retirees have to formulate a plan based on what they want to do in their later years.