Paid time off: You should use it or lose it

"With inflation and taxes, that investor ... has to be able to make at least a 7 percent return on average to be able to get that 4 percent in their pocket. That can be challenging at times," Lockwood said. "A lot of folks are just not invested appropriately to be able to address that type of need."

But Lockwood and Coppa agree that the most important factor in not outliving your nest egg is to save more. Even increasing your retirement contributions to reach the maximum annual limit for 401(k)s and IRAs may not be enough, so consider adding more money to taxable accounts earmarked for retirement.

wo ning ke lin yu 

　　xia yu tian ，lao di zhao wo yao san ，wo da kai xing li xiang ，

　　si wu ba yu san sui ta xuan ，ta yao yao tou zou liao ，

　　wo zhui zhuo wen ：“zhe me da de yu ，ni zen me bu yao san a ？”

　　lao di shuo ：“zhao bu dao wo xi huan de san ，wo ning ke lin yu ，

　　xun bu dao wo zhong yi de 妞，wo ning yuan bu qu 。