I'm 51 with enough to retire - am I being overcautious by worrying about million-dollar liabilities and my kids' futures?Retirement planning requires emotional readiness alongside financial preparedness to avoid catastrophizing.Adjusting withdrawal rates and increasing insurance can protect retirees from unexpected financial shocks.
Self-Help for Chronic WorriersWorry is inherent in human nature, leading to global cultural practices for relief.Catastrophizing is an intense, manageable form of worry requiring specific skills to address.
Cut Out CatastrophizingCatastrophizing leads to unnecessary distress by assuming the worst possible outcomes without evidence.