You finally have the money. And somehow, spending it feels terrifying. You've been thinking about that trip for years. Or the kitchen renovation. Or helping your kids with a down payment. But every time you get close to pulling the trigger, something stops you. A headline. A bad week in the market. That quiet voice asking whether now is really the right time. Maybe you're a few years out from retirement and still not sure if the number is big enough. Maybe you're already there and you...