Retirement planning feels a lot different when you're no longer just trying to grow a balance on a screen. The question shifts from "How big can this get?" to "How do I turn this into money I can actually live on?" And, that shift is happening right now for many of the retirees and near-retirees who are watching markets swing, rates move and inflation refuse to quietly disappear. That's why the gold-versus-dividend-stocks debate keeps popping up. Gold has been on a historic run over the last

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