Nowadays the fear of dealth is being supplanted by the fear of outliving your retirement money!  Some people would rather die than outlive their investments.  See this article in Reuters by Chris Taylor for the details:

http://www.reuters.com/article/2014/11/12/us-retirement-savings-deathwish-idUSKCN0IW1VH20141112

This is the time to have realistic and achievable goals, then use them to gradually save some additional cash.  If you are already retired, you may need to find a part-time job or adjust spending habits, but there are always options.

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