Too often, we look at the financial side of retirement from the perspective of people who are still working, and who haven't actually retired yet. That's a mistake, as experience beats estimates just about every time. As Albert Einstein said, "The only source of true knowledge is experience."

So let's flip that script this time and look at the retirement issue backwards, by the true experts - the people in retirement who've made the mistakes and recovered to prosper as retirees.

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