I retired at 63 with $850K, but now my finances are keeping me up at night. How do I know if I really have enough?

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As markets swing wildly from one headline to the next, a growing number of retirees are discovering volatility doesn't just threaten their portfolios — it threatens their peace of mind.

An Allianz survey found that 64% of respondents are more worried about running out of money during retirement than about dying (1).

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With so much worry going around, is everybody justified in feeling that way?

Let's consider Mike, who is retired at age 63 and has a healthy $850,000 nest egg. On paper, he should feel secure. Yet instead of enjoying his days, he finds himself opening his retirement account app five times a day, watching the balance tick up and down with the market.

Each dip sparks anxiety: What if I run out? What if this isn't enough?

While Mike might look like he's doing well, he's still burdened by the worry faced by so many retirees. No matter how well you prepare for retirement, you may still find yourself anxious about money in your golden years.

And once that worry creeps in, even a sizable nest egg can feel fragile — especially when your account balances are fluctuating daily with the market.

But there are still ways to stop worrying and enjoy retirement.

Here's how to get to a healthier place and avoid the constant stress of worrying about your financial future.

Let a financial advisor do the dirty work

Looking at Mike, he actually has a pretty solid retirement plan.

To start, his $850,000 nest egg is certainly nothing to sneeze at — especially considering a 2026 survey by Clever Real Estate found that 29% of retirees had no savings at all (2).

More importantly, Mike's retirement accounts are invested, which is already a great way to make sure his nest egg will grow. It will also help combat inflation to ensure that he doesn't outlive his hard-earned savings.

However, investing means that the account values can change daily, or even hourly, which isn't easy. Watching those shifts in real time can make even the most diligent saver feel like they're gambling with their future.