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b"The fear that you'll run out of money in retirement is big and real and daunting. Which is why we're always excited to hear about it when someone \\u2014 somewhere \\u2014 has a new idea to help us conquer the challenges of making our money last. This week's hero: Morningstar's Head of Behavioral Science, Dr. Stephen Wendel. He outlines how a handful of modest (and specific!) changes, when made simultaneously, can amount to much bigger nest eggs. So, calm your retirement anxieties \\u2014 and geek out on the research \\u2014 with us. Then, in Mailbag, we\\u2019re discussing 401(k) rollovers, the 5-year rule on Roth IRAs and having a dedicated savings account for healthcare. And in Thrive, how to budget with a cash-only diet.\\n \\nLearn more about your ad choices. Visit megaphone.fm/adchoices"