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Warren Buffett was buying stocks in October 2008 while the headlines were still awful. He did not know the bottom. He understood that waiting for certainty can make the opportunity disappear.

The market hitting a new high does not automatically mean it is about to crash. Here is how retirees should think about short term money, long term money, and market headlines.

A million dollars still sounds like a lot of money. But retirement safety should be measured by what that money can buy over 20 or 30 years, not just the number on your statement.