Ask a room of retirees what they'd do differently with money and you will not hear a single word about Nvidia.
No one says "I should have timed the 2008 bottom." Nobody mourns a fund they didn't pick.
What they actually say is duller, and much more expensive: I should have started sooner. I should have kept going. I had no idea how any of this worked.
Three large U.S. surveys, TIAA Institute, Transamerica, EBRI, keep landing in the same place. And buried in the data is one regret almost nobody warns you about, which is that a meaningful share of retirees are sitting on money they're too scared to spend.
Let's go through the list. 👇