What makes retirement planning so difficult?

I’ve been researching the challenges people face as they approach retirement, and I keep coming back to one question.

There are already resources for Social Security, Medicare, finances, healthcare, estate planning and more—yet many people still seem overwhelmed.

Do you think the problem is not enough information, or that there’s already so much information that it’s difficult to know what applies to you and what to do next?

I’d really like to hear from people who are retired or approaching retirement.