Having a lot of money in retirement savings is no guarantee it will last the rest of your life. One of the worst things about my job is watching retirees make mistakes in their retirement plans. We recently met with a family that came to us after managing their finances during their lives like most families. They brought this retirement plan to us, and it showed that they had roughly $1.3M at the time of creation. Fortunately, they weren’t doing poorly by any means.  They were puzzled because they were great budgeters, so the common culprit—overspending—was not the issue this time.  What created such a change in their trajectory? In this article,…