How a 2008-Type Crash Early in Retirement Changes Everything

John David Boutte

Published on: 11/03/2025

Remember the panic of 2008? Back then, you had a paycheck and time to recover. Today, a similar market crash could permanently destroy your retirement lifestyle. This article confronts the harsh reality of the "Lost Decade" and explains why modern retirees simply cannot afford to wait 10 years for a market bounce-back. We analyze the dangerous math of "reverse dollar-cost averaging"—withdrawing money for bills while your account value is down—and how it accelerates portfolio depletion. Discover how Income Riders can structurally separate your paycheck from your account value, guaranteeing you a monthly income that never runs out, even if Wall Street hits rock bottom.