> based on historical market returns we’re ---only now--- discovering are unrealistic This is a crisis that has been unfolding in sloooooow motion. They had b

> based on historical market returns we’re ---only now--- discovering are unrealistic This is a crisis that has been unfolding in sloooooow motion. They had been warned, and warned, and warned some more--for decades! Boomers decided to add it to the credit card anyway. edit: Also, I don't know a single sane person who ever believed that 7-8% was long-term maintainable.