<sod > "You might be very excited to be retired, and you've got a lot of plans, but then all of a sudden your kids move away, or you fall, or your spouse gets dementia, or dies, and everything you know is suddenly different," Whitmarsh said.< eod>< sod > "You might be very excited to be retired, and you've got a lot of plans, but then all of a sudden your kids move away, or you fall, or your spouse gets dementia, or dies, and everything you know is suddenly different," Whitmarsh said. In addition to that, she added, "if you're in a low-income situation, there is nothing you can do about it.< eod>