This is spot on. What worked in the last 10, 20 or 30 years isn’t guaranteed to continue to work. Market cycles, if it does cycle, is closer to 100 years than m

This is spot on. What worked in the last 10, 20 or 30 years isn’t guaranteed to continue to work. Market cycles, if it does cycle, is closer to 100 years than mere decades. ETFs, 60/40, 4%, etc. have become a cult mantra that blinds investors to critically consider alternative realities.