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Hey Mark,

Thanks for the response. I agree, and maybe I used the wrong word. I guess what I meant - and I think you are saying something along the same lines - is that we can tolerate ups and downs more than someone with an outlook of only 5-10yrs. For them, a big hit in yr 2 or yr 3 might take their remaining time before they need the money just to recover to where they started.

But you know what. In writing that, I actually have a hard time thinking like that. I'm 26. I have no idea what I'll need when I'm 36, yet alone 66 or 76. Should I be aiming for a 15% CAGR by age 36, or a 15% CAGR by age 66? Should I start to divide up my money between long long term savings and just intermediate term (say 10 yr) savings? I guess I already have because I have about 10% or 15% of my liquid assets in a Roth IRA.

Sorry, that was a little bit of a ramble. But I guess I just don't really know what's a smart way to plan for so many different eventualities.

Anyway, would love to hear your thoughts.

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