How Phi Theory Has Changed Over Time

What I would do differently, surprisingly, deep question in some ways because you can always look back and question yourself. The funny part is I didn't really know about the 4% rule when we did retire in 2005. And it's a great thing to be early retired and not have to work and then have work as an option. You're just like a boat on a big wavy ocean. Fortune's go up and down and up and down. But as long as you're still in the boat and moving forwards, that's really what you should be shooting for.