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The alternative to living off of investment income is to keep working until you die. I doubt your husband would find that to be an enjoyable way to spend his out years, so you best learn to live with the concept of relying on investments. If you don't understand investments, you should learn about them, since they are going to make up an important part of your life.

Understanding and trusting are to differenct issues. Making the transition to retirement is not going to be easy.

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