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... you either need to hire Ray ...

Oh, I guarantee that he wouldn't be able to afford me. ;-)

OTOH, we're soon off on a 28 day cruise with lots of restful sea days. If I get bored enough, I may have time and inclination to fiddle with spreadsheets. At this point, it would be an interesting challenge to find a set of parameters where the IUL winds up *ahead* of B&H over a 30-40 year timespan.

CC's comment is right --- you shouldn't take risk beyond your sleeping point. But the ability to soldier through short-term volatility is what allows some people to retire early with enough money to travel at whim.

Ah! -- a new quote:
"Long-term investment returns typically emerge as the delayed payment for adhering to a sound discipline even when it is uncomfortable to do so. Short-term investment returns are often easier to find, but they tend to be advances on a loan that will eventually be repaid with interest." -- John Hussman
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