Your new clients, the Eager-Retirees, have accumulated $500,000 by saving 15% of their joint salary of $100,000 a year. John has already plotted a three-month tour of Asia. Susan wants to earn an advanced degree. They come to you asking if they can afford to retire in two years, when they'll both be 62.

Here's a novel idea: Suggest that they stop saving instead. They may be able to spend the money on two-week trips and night classes, get a taste of the future and end up more secure.

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