I can't get over how bad the naysayers are and I want to talk about this more than what I did on my video the other day.
https://crr.bc.edu/do-we-have-a-retirement-crisis/. and this
https://crr.bc.edu/the-national-retirement-risk-index-an-update-from-the-2022-scf/
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