Everyone has to evaluate their own particular retirement situation. If you don't have the smarts or desire to do it yourself then you have to find professional help. The crash in 2020 was ugly with market loss of 30%. With our financial company we are with we only went down 11%. So thankful for them.
Social security alone will not put you in a good place. If your fortunate enough to have a pension too then your blessed. We are riding the wave as we have great health and just turned 70 with parents that lived into their 90's. We have a nice nest egg saved and real-estate rental property that could be sold if need be.
I remember back in 1987 when I was dumb/stupid I cashed in my 401K as I got scared.
OUCH!!!!!!
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