How Much Is Too Much?

If you want to be more conservative in a lot of these plans, basically the general idea is you put in more money. The past 10 years, SMP 500 is doing how much? But if you look at longer term data, right, you realize that, okay, what we experience in the past 10 years was actually a lucky sequence. Usually after a lucky sequence, what comes after that? So if there is, then maybe what you're experiencing, I think it's more conservative to use a more conservative planning returns. You plan for less than me, median returns. Plan with a conservative, median returns, that will work out like how much you actually need. It depends on all

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