Many women in their 50s and 60s have "retirement spending paralysis," a fear of spending savings for things they need, writes Kerry Hannon. "If you've got a bad case of retirement spending paralysis, I suggest working with a financial adviser who can cure you," she writes. "By combining forces, the two of you can figure out the best ways to anticipate what might be coming your way so you can avoid 'future shock' and live a little."

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