 focus on as you're nearing retirement and that's really looking at your goals for retirement especially if you have a lump sum goal if you would like to maybe pay for college for your grandkids maybe you want to buy a new home maybe an RV and travel the world those are all lump sum goals and if you haven't saved enough then you might need to kick those goals a little bit down the way in addition to that we've talked about what happens if you haven't saved enough money to retire and