Karsten: I focus my energy to into the areas where it actually makes a difference, right? So for example, at age 70, I will claim Social Security and then my wife claims her benefits. How much of a difference does that make? It's actually for some retirees that makes a tremendous difference. He says he is probably somewhere smack in the middle in between something like 70, 30, 70% stocks and 30% diversifying assets. That would really take some serious market timing and probably not enough luck or good fortune.