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From Hustle to Hypervigilance: Is Fear of Running Out of Money Stealing Your Retirement Joy?

When financial anxiety overshadows retirement enjoyment, you know it's time to make a change.

From Hustle to Hypervigilance: Is Fear of Running Out of Money Stealing Your Retirement Joy?

Published September 19, 2026 · Category: Finance

Overview

My husband recently retired, which, frankly, feels surreal. As happy as he is to be doing his thing, I fear I will struggle with a common problem: worrying that we haven't saved and invested enough. Although I don't plan to retire, and I focus on putting money away each month, I can see the anxiety on the horizon. It doesn't help that AI is gobbling up writing jobs faster than Pac-Man wolfs down power pellets and ghosts.

Image source: Getty Images.

A recent Allianz Life study found that 67% of Americans worry more about running out of money than about death. While that percentage may seem unreal, I'm learning that the fear of running out of money runs wide and deep. It doesn't take a well-trained psychologist to see that a large percentage of retirees suffer from hypervigilance. After all the hard work it takes to save, it feels almost impossible to spend.

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Originally published at www.fool.com.

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