"San Francisco, CA, had the largest over-the-year percentage decrease in average weekly wages (-22.6
percent). Within San Francisco, an average weekly wage loss of $1,263 (-24.9 percent) in professional
and business services made the largest contribution to the county’s decrease in average weekly wages."
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