[zendog3]

I took a look at my retirement savings today. My retirement is in TIAA/Cref.
The good news is that there is still enough there to get me to the grave.
The better news is that my annuity gained about $1,300 in the last 6 months.
The bad news is that my equities lost about $ 90,000.
The great news is that I din't have a dime invested in crypto currency.

Seriously, when I started saving for retirement 55 years ago, I read up and learned that I should diversify into low risk annuity and risker equities. I chose a 25/75 % split which worked well. I was often tempted to dump the annuity and put all my money in stocks. I am now glad I didn't. I only wish I had changed may diversity distribution to more annuity at time of retirement.

I would give this wisdom to my kids, but they don't listen to me anyway.