At the "wrong time" meaning you're at end of life, yah? By that time you're collecting SSI and have medicare. When you're really old you have less of a reason

At the "wrong time" meaning you're at end of life, yah? By that time you're collecting SSI and have medicare. When you're really old you have less of a reason to spend, so even with a nice house that is paid off it becomes easy to not dip into retirement funds if needed. Btw, 5% is not a safe withdrawal percent unless you're really old. Most do 4% and aim to not diminish but increase their savings in the long run while retired.