Predicting the financial future is difficult, perhaps impossible. Complex factors and contingent possibilities always are bound to produce never contemplated or imagined events.
Only politicians are certain they can foresee the future. We know how successful they are.
Be flexible in your financial planning. Prepare for various possibilities. I know you get lots of advice, including charts and math models. They look good, But they’re not practical.
Flexibility enables you to make the necessary planning changes that will cover events as they occur. ( See the Earl J Weinreb NewsHole® comments.)
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