You Don’t Have a Long-Term Care Plan

You Underestimated Your Life Expectancy

You Didn’t Plan for High Healthcare Cost

You Didn’t Take Inflation Into Consideration

You Didn’t Factor In Big-Ticket Item

You Changed Your Spending Habit

You Loaned Money to Your Kid

You Spoiled Your Grandkid

You Didn’t Take Taxes Into Consideration

You Didn’t Consider Fee

You Got Divorced