 Well, Jill, if you're significantly behind in your retirement savings, which doesn't seem to be the case since you're only a few years out, then maybe a more aggressive growth only approach might be necessary. But assuming you're on track, let's discuss why this strategy might be risky. First, it sounds like you're experiencing FOMO, fear of missing out. Remember when you were younger, you'd force yourself to go out Friday nights, even when you retire, just because you didn't want to miss something.