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We often focus on the fear of running out of money in retirement—but what if the bigger risk is running out of health before you can enjoy it? After watching The Amazing Race, I was reminded of a client story we hear all too often: years of diligent saving, only to be sidelined by health issues just before retirement begins. At Root, we’ve seen clients retire with more than enough—only to realize the extra working years came at the expense of their physical well-being. One client had $3 milli...