ngl this is mixing a few things together in a pretty emotional way
first: markets do hit multi-month lows pretty regularly within normal cycles
second: retirees usually aren’t 100% in equities right at retirement
most have bonds, cash buffers, and withdrawal strategies
so it’s not usually a “sudden collapse of retirement plans” moment
also gas prices rising and stocks falling can happen at the same time
that doesn’t automatically mean a systemic breakdown
feels more like a bad sentiment phase + volatility, not an end-of-cycle event
markets can feel brutal short term, but retirement outcomes are driven by decades, not weeks
this kind of framing tends to amplify fear more than reality 😅
Sistinas777 on
Remember folks, every year is a bad year to withdraw from 401k. It’s a vicious cycle.
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We will always remember 50k. /s
Golden age!
ngl this is mixing a few things together in a pretty emotional way
first: markets do hit multi-month lows pretty regularly within normal cycles
second: retirees usually aren’t 100% in equities right at retirement
most have bonds, cash buffers, and withdrawal strategies
so it’s not usually a “sudden collapse of retirement plans” moment
also gas prices rising and stocks falling can happen at the same time
that doesn’t automatically mean a systemic breakdown
feels more like a bad sentiment phase + volatility, not an end-of-cycle event
markets can feel brutal short term, but retirement outcomes are driven by decades, not weeks
this kind of framing tends to amplify fear more than reality 😅
Remember folks, every year is a bad year to withdraw from 401k. It’s a vicious cycle.