I found an article where the author put retirement savers into three categories:  Over funded, underfunded, and constrained investors. 

A constrained investor is one who has saved, but they can’t afford to make any mistakes.  There’s no wiggle room.  The article suggested this formula: Take how much you need per year divided by how much you’ve saved.  If that number is more than 3%, you are a constrained investor. Are there any ways to help overcome concerns about income? 

Hear how Kevin can help you, no matter why type of investor you are , create income for life!