Don’t bank on an AVERAGE retirement. You could drown in a river with an average depth of 1 foot!

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The four most dangerous words in long-term financial planning are, “Let’s assume I’m average.”

Averages can play an extremely useful role in grounding our expectations and showing us what’s realistic and what’s not. They’re not, however, an infallible guide to how you should conduct your affairs, because they don’t show you the gap between worst and best cases.

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