Hi, approaching retirement at 63 and my husband is making me nervous!

Thanks for the ideas.:) Westernskies, I just inherited a bunch of guns from my parents and my husband is very happy. Michael, I try to keep a good percentage of our 403 B in equity indexed and other equity funds. My tolerance for risk probably isn't what it used to be, but I still do it anyway for the reasons you said. Thus is a very interesting forum- thank you!
 
I think you're already there too.

As for your husband's pessimism, I would treat his concern with the respect he would like. But then counter with the concern that life is short - you don't know how much time you have on this earth, and you don't want to find out too late that you worked too long when you could have been relaxing. (And if you are in a stressful job, stress doesn't help your health.)

Why not compromise? You retire early, and let him work a little longer!
 
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