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Don't forget about fluctuations in the underlying value of your retirement savings. If they're in equities then their value will change over time. Bear markets and "corrections" can wipe out 30%-50% of the value of your savings in a very short period of time.

To help get through these times, you'll want your retirement funds to provide more than the minimum of what you need. Re-invest the excess to continue building up your networth and insulate yourself from these unfortunate but expected occurances.

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