I get that your anxiety is currently at an all-time high. But, as we begin to slowly and patiently recover from the COVID-19 pandemic, it’s time to refocus on retirement. Retirement can be a touchy topic for some of us. But, even before the pandemic, there was a retirement crisis. Unfortunately, it’s only gotten worse. As an effect of the COVID crisis, 37.4 percent of people between 45 and 64 have either lost their jobs or at least some of their income. Additionally, 36.4 percent of Americans who are within 20 years of retirement now expect to delay their retirement. And, most concerning, 52 percent of people report that they will have to dip into their long-term savings within the next year or so. “There’s a misconception that older adults are asset-rich, yet the reality is that the vast majority—80 percent—are financially struggling now or are at risk of falling …