"Peter Turchin calls, “the problem of an excess of educated men”? With too many would-be rulers, and not enough positions for them all to fill, Turchin argues, the result is invariably a large number of disgruntled also-rans who combine intellectual firepower with strong senses of entitlement and grievance. "
https://unherd.com/2022/11/how-students-betrayed-the-working-class/
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