@MakerWerks My Father in Law was preparing to retire in 2008 when the economy crashed and with it he lost like 60% of his savings. It was devastating.
I'm an old millennial and starting about the time I was a teenager I was being told that I couldn't expect social security to be there for me when I retired.
It grants me a level of understanding, I think, to what you're feeling because for me and many in my generation retirement means "Keep going till you can't"
@MakerWerks There's this understanding that life is a bit Sisyphean. No matter how close I might get that boulder to the peak eventually it's going to run me over and roll back to start.
I hope you are pleasantly surprised and can get the retirement you've earned and paid for.