October 14, 2009, The Decumulation Beat
The Abnormal Is the Norm
Does anyone really coast smoothly into retirement? Not guys like my friend Mark, the brilliant engineer. He married at 40, was laid off at 55, and now, at 62, is scrambling to put two kids through elite private colleges. The abnormal is the new norm.
On an imaginary wealth spectrum, with the low end of the scale starting at HTM (hand-to-mouth) and the high end topping out at WFBW (well-fixed but worried), my friend Mark might fall into the 78th percentile.
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