If you think your safe withdrawal rate is 3% or less and you're over 40, you're probably better off buying a simple annuity. No financial advisor is going to say something like that to one of their clients unless they absolutely have to. Investing is really not for you whether you're doing it or somebody else is doing it for you. And stop being fans of particular ideas or say formations in football. And start being coaches who regularly update their knowledge base so that they can perform better next time.