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At retirement, your whole financial life essentially collapses down to one binary question: will your money outlive you, or will you outlive your money?

Volatility in the market is often seen as a risk, but it's important to differentiate between the two. The real risk lies in not having a plan that can sustain your financial needs throughout retirement. It's not about meeting a benchmark; it's about developing a plan and staying committed to it.

The dominant factor in long-term financial outcomes isn't just your investment performance – it's your investment behavior.

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