Perhaps this is simply another variation on the "just one more year" theme, but I am having a very difficult time adjusting to the idea of shifting from the accumulation phase to the distribution phase. There is a certain comfort factor that comes with knowing that my nest egg will increase by "x" amount every month. The thought of this suddenly ending is hard for me to "get my arms around." Logically, I know this is a necessary step . . . but emotionally it is very difficult. Has anyone else crossed this bridge, and if so, how did it play out for you?