Adequately diversify with enough low-risk assets (e.g., bonds). Having a large bond portion as you enter retirement may be able to provide enough income to prevent you from selling equities at depressed prices. Consider withdrawing less money during market downturns. If you had originally planned on withdrawing 4% a year, temporarily lowering your withdrawal rate could help mitigate the damage done by a market crash. Consider working part-time to supplement your income. One of the benefits of retirement is that you get to decide what you want to do with your time. This means you could start
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