 But regardless, it doesn't really matter when the market crashes happen. Even if you don't know, how can you plan for it? Well, if you have a volatility buffer, you don't need to worry about when the market's crashing. A volatility buffer is an account that's outside of the market so that when the market crashes, you don't have to take money out. There are accounts outside the market? There are. So why would this be important? Well, if you are saving and you're far from retirement, you're not ready for retirement yet,