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another front porch conversation with joe hopefully enjoy the change of scenery here i like being outside but it is a little bit warm today three critical pieces to your retirement plan im telling you these come through when youre stressed okay so if youre stressed especially in bear market times youve got to have these three pieces um most have a plan for how theyre going to withdraw money how theyre going to save money theyve got all these models they do monte carlo simulation and they feel pretty good until the drama of a bear market hits all of a sudden youre down 200 300 400 000 500 000 a million dollars whatever it happens to be uh great plans all fall apart when uh contact with uh adversity uh thats an adaptation of a of a quote from somebody on uh all plans so sound great until they uh you have first contact with the enemy some sort of war time analogy but hey what are those three things that you must have especially to help you through high drama times of a bear mark
