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To take a forced example, suppose we lose 50% in the first year, stay there for a year, and gain 200% in the third year, for a cumulative CAGR of 15%.

Year 1: $600 -> $300K, spend $60K, $240K left.
Year 2: $240K -> $240K, spend $60K, $180K left.
Year 3: $180K -> $540K, spend $60K, $480K left.

of course that can happen regardless of system & expectations.

that's why 'they' say at least five years expenses in fixed income ...
and recommend index funds.

no system can promise. no system gives a moneyback guarantee.

.... remember similar discussions when TMF was pimping "the Foolish Four" ... and became very skeptical of systems --but i could be wrong
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