We all dream of a perfect retirement where we arrive with $1 or $2 million in our 401Ks or Roth IRAs.

What happens if there is a massive stock market downturn in the first 2-4 years of our retirement?

Selling more shares early in our retirement will hurt us throughout our lives. It's tough to recover when you no longer own the necessary shares.

That's why I aim never to sell shares. I can do this by investing for dividends, owning real estate, renting rooms, and opening a business.

Retirement planning is more than a 401K; it is a whole-life outlook that keeps income coming no matter what the stock market is doing. Good Luck!