The stock market has not been “risky” over the long run.
Scaring people to save denies that people can do a better job if they think rationally.
Some results are hard to notice. You have to find the context.
Never trust a model to be accurate for more than five years.
Some decisions are easy to analyze if you do it for direction.
Making decisions is easier if you eliminate duplicate options and identify the essential purpose of the decision.
There is no certainty in investments and even less when you are withdrawing capital.
We all think we need more money,. The interesting question is what’s the least we can get along with?
You do not need to play all-or-nothing games with your retirement money.
You minimize the harmful effects of what you can anticipate.