When contemplating retirement, the scarcity mindset can lead to a common rationalization: If I work another year (or two, or three …), it will ensure that I have enough retirement assets to last in retirement.

The “Just One More Year Syndrome,” stresses that while retirees should continue work if they find it rewarding, but “each additional year of work only guarantees that you’ll die with more money.” More money to pass on to your heirs and the Internal Revenue Service.

You are trading life energy (which is limited) for money that you did not need. Will it be worth it?” he asked. More importantly, will working one more year ease your scarcity mindset and help you sleep better at night? What about more workplace stress and less time with your family?