Oh, and by the way, always giving glory to our Lord, Jesus Christ! He comes first. Always.
From an email I received today.
" I did a detailed calculation and discovered I had spent 1.25 YEARS over the past 25 just DRIVING back and forth to work.....and yes, I left a lot of money on the table by leaving when I did, but picking up my 3 year old granddaughter once a week and taking her to the library, park and/or movies, along with being able to work on various projects around myself anytime I want, taking quarterly vacations of 7-10 days each with my wife, is worth far more than those bank deposits"
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
https://www.morningstar.com/funds/vanguard-wellesley-income-is-top-choice
Could be a great fund to start with starting in retirement and cash. Or use Vanguard Wellington and cash if you want to be more aggresive
https://www.morningstar.com/economy/what-weve-learned-150-years-stock-market-crashes
Take a look at this what has happend in past in stock market
