BEFORE he went on his long road trip, Juan ensured his fuel tank was full. He was excited to spend the holidays in the province with his relatives whom he last saw decades ago. He left early yet still encountered heavy traffic in several towns along the way. When he finally passed through all the chokepoints in his journey, he took a few side trips to enjoy the scenery, something he rarely had a chance to do in the city. He was so absorbed in the beauty of sea and mountain, even made brief stops and took photos, that he lost track of both distance and time. On the way back to his major route, the engine sputtered, and his car stalled. He ran out of gas!

Something similar happens in retirement. Retirees can run out of money. They can outlive their retirement savings. This becomes a big problem since social security is very limited. With funds depleted, retirees face an unstable and uncertain future. They become dependent and a burden to others.

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