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[obstinate]

I think this recent bout of volatility was a good litmus test for how much risk tolerance people have. I certainly learned I have less than I thought. I think the lesson learned from this is that international exposure is good and not something to be scoffed at.

I feel lucky that I had essentially zero temptation to sell. I thought at one point about reallocating about 10% into bonds, but even that I ultimately put aside. And this is with retirement looming in less than a month. We should be alright!

[41_swish]

I had no temptation to sell, but that's because I am still very early into the game