I'm just now back to where I was pre-C19 and strongly considering moving out of everything volatile into guaranteed income, which means pulling from all the markets while I have the chance and before the election. If I do I can possibly still retire or semi-retire in 3 years, but with a smaller income than the 90-100% (incl SS) I was targeting. If I don't shelter and we take another big hit, I could be working another 10 years or until I die unless I take only 70% of my current income which isn't palatable right now. In either case, the outlook for SS income is pretty dismal.







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