 Isn't that a better way to play the game when you are at an age where losses can destroy your retirement? Maybe you are like some of my clients and have a million dollars or more and you're gambling with it. I know what you're thinking because all my extremely wealthy clients were thinking the same thing before I started working with them. When you have millions, you feel like you are immune to the risk of losing a bet. You work so hard just to lose what you work for?