I’m approaching retirement after living all my sixty years as a North Carolina resident.

Recently, I had a talk with a representative from the company that handles my workplace 401K account. “You’re looking great,” he said, running through the different scenarios in their online tool and giving me his opinions about possible retirement dates.

I’ve been lucky. Having steady employment for the past thirty years, putting a little aside where I can, and recent modest inheritance has put me in a place where I can look forward to a retirement on an adequate income.

Or will it?