A mountain-climbing analogy is useful for clarifying the distinction between accumulation (the working years) and distribution (retirement). Ultimately, the goal of climbing a mountain is not just to make it to the top; it is also necessary to get back down safely. The skillset required to get down a mountain is not the same as that needed to reach the summit. In fact, an experienced mountain climber knows that it is more treacherous and dangerous to climb down a mountain. On the way down, climbers must deal with greater fatigue when facing a downslope compared to an upslope. Our bodies are
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