How to make sure you don’t outlive your money

Anytime a grizzled mentor in a movie mentions that he’s one day away from collecting his pension, the audience knows he won’t make it to the end credits. Filmmakers rely on this cliché for a reason: The heartbreaking unfairness resonates with all of us. Nearly everyone can name a family member, colleague, or friend who never got to enjoy their retirement because death came too soon. Dying before you get a chance to enjoy the hard-earned fruits of your labor feels like the worst thing in the w...