Inside this guide:

• Why a "normal" market year feels heavier after 50, and what's actually changed
• The shift that happens without warning, and why most people don't see it until they're already paying for it
• How "Margin Shrinks" and "Margin Preserved" describe two completely different retirements
• Why the standard plan requires time you may not have left
• What works when "save more and wait it out" stops working

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