One the most important lessons I learned from my own midlife crisis at age 49: Playing it safe does not get you what you want in life!
“The secret of change is to focus all of your energy, not on fighting the old, but on building the NEW.” — Socrates
And this goes double for any retirement decisions you may be making right now. Taking the stay-where-you-are way may be a lot easier, but will it make your last dreams in life come true?