Fair enough. I have a couple colleagues that are close, still in relatively stable 70/30 stocks/bond mix, but between some cash savings, social security income, and plans to do some part time consulting, both are in a position to hold Off 3-5 years on making any IRA withdrawals if the market tanks.
our financial advisor routinely tells us, that if we’re willing to cut back on spending (if needed), and have the ability to earn some part time income, we can weather just about anything in retirement. The key of course is the “sequence of withdrawals” or whatever it’s called, that we should be rock solid so long as we can avoid taking a big distribution from our stocks portfolio in a market downturn.