You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than
Many people can tell you their portfolio balance. Far fewer can tell you what else determines whether their retirement actually works.
That's understandable. The
Many people picture a scam as something obviously off: a strange email, a robotic voice, a too-good-to-be-true offer.
The more dangerous version sounds like