 so that we can maintain our standard of living in retirement? But how do we also earn enough on our accounts so that our account values aren't going down as we're taking distributions? Hopefully they're going up over time. The best of both worlds is to be able to live off of your portfolio and have the portfolio grow over time. But that's not as simple as just buying an index and hanging in there because we know markets won't be up all the time. So there's a reason people are