Oh I know I will lose money, I even stated that already, key is damage control. My parents lost 1/4 of their investments towards the end of their working career. Dad worked 2 more years, than planned, but at that point they didn't have any bills except me, joke. I have no unrealistic expectations about what's going to happen with my money, but I do know that if my wife and I can follow even a bit of our plan we will be in the same shoes my parents are, retired by 60, no bills, and do whatever they want, whenever they want. We actually started 5+ years before they even considered it. Like I said, when the market does crash, which it will, it's damage control time. Not everything we have is investments either, lots of physical assets too. Heck I could probably sell my AR and mags and retire another year early if I wanted