For decades, retirement planning was built around a simple formula: save enough, invest wisely and—if all goes well—sail smoothly into your golden years. But today, there’s a growing reality that doesn’t show up on any spreadsheet, Monte Carlo simulation or Social Security statement.

A new epidemic is quietly shaping retirement just as much as market volatility, taxes or health care costs: loneliness.

And here’s the surprise — loneliness doesn’t just affect someone’s mood. It affects their health, financial decisions, spending habits and even the longevity of their retirement savings. In other words, your retirement income plan can be spotless on paper … but if your emotional world begins to shrink, everything else starts to wobble.

Let’s talk about a side of retirement too many people

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