Retirement planning is apparently a very emotional and hot issue.
Thanks to all of you who wrote last weekend, I've had a lot to think about. The thing that surprised me most was how many of you expressed dissatisfaction with conservative retirement planning. The idea of leaving a large estate was definitely unappealing to some folks. I got the impression that a number of people were hoping to spend their last twenty on a final cab to the hospital. The idea of a retirement plan that would maximize spending in one's golden years and minimize what was left had never occurred to me.