Suppose you are a financial planner or whatever they call themselves. You've been in the business a while and you've observed dozens of wealthy peoples' retirements. Isn't it possible you might reasonably have some perspective to share with a wealthy couple just coming into their mid 60s and ready to stop working?

Look at this paragraph from the article:

One of those irrational reasons may be simple habit. Something strange happens when people retire, Browning says. All of a sudden, they’re not getting a regular paycheck, and that makes them scared to spend. Goals set before retirement are abandoned, along with pre-determined spending plans, because retirees are terrified see the balances on their retirement accounts drop even a tiny bit.

What's wrong with someone, like a financial planner, reassuring a couple that yes they can take those vacations they always dreamed of, yes they can pay for their grandkids' college tuition, yes they can make a substantial donation to that museum they love so much -- here's the math showing that it is likely to be okay?