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@hesavedme94 Bonds are down 25% last year. That's all your bond gains from the last 5 years. Unless you're literally retired, your bond component is too high.

@cankosker Buying doesn't mean a house at 1m+ Buy any condo you can afford. That way you'll be in a boat if the water keeps rising, you'll be afloat. Trading up to a house is the only way.

@ari3l654 You should continue to save for those 10 years, why would you choose abject poverty in retirement.