The retirement risk your portfolio cannot solve on its own. Solved by the asset most people never think to use. Nobody sells the house in the middle of the storm. You board the windows, you wait it out, you repair the damage, and the value comes back. Yet that is very close to what a retirement withdrawal does during a bear market. The market is falling, you need income, and you sell. No panic. No emotional decision. You simply need money. In doing so you converted a paper lo