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Story summary
- Randy Smith, 64, and his wife LeeAnn Smith, 62, of Idaho Falls, saved for retirement, with Randy contributing nearly 50% of his paycheck to a Health Savings Account and a 401(k).
- They worry about running out of money and relying on their children.
- New retirees often fear spending savings amid concerns about stock markets and inflation.
- Advisors say the worry reflects mindset, not math, as retirees shift from earning to spending.
