Nice blog, but watch out for advising people that putting money in index funds 'pretty much assumes an 8% return'. Returns can vary wildly year by year even if

Nice blog, but watch out for advising people that putting money in index funds 'pretty much assumes an 8% return'. Returns can vary wildly year by year even if 7-9% annual is accurate over the last 20-30 years or so. Bogle (and others) is estimating the coming year's returns to be lower than 7.