For many people looking to retire, they've been in the workforce for 30, 40, or maybe even 50 years. During that time, they've received paychecks and have saved a portion of that pay for retirement. For their entire adult life, they've been practicing a very successful habit - saving! Now, for the first time - maybe ever - retirement calls for them to spend their savings. We're breaking what we've always known to be a good habit and that is scary!