You’ve worked hard for 30 or 40 years, raised a bunch of kids and launched them into adulthood, and now you’re excited to embark on the next phase in your life – stepping back from the daily grind, traveling to far-off lands, having time to enjoy your hobbies, and trying new things.  You’ve managed to accumulate a tidy nest egg and, with Social Security, don’t anticipate needing to withdraw more than 4% of it per year.  (Bill Bengen would be proud!)  Your mortgage is paid off, you have a plan for the future, and you’re still in love with your spouse.   Things look good.  What could possibly go wrong? Unfortunately,…