Remember, the goal is to take emotion out of investing because emotion is what so often destroys investing success, whether it’s greed or fear. - Tony Robbins

Traditional financial planning would say you need to accumulate 20 times your current income, or $5 million in critical mass, to generate $250,000 of pretax income (assuming a 5% withdrawal rate). But if you aren’t required to pay tax, and the actual income you need is $125,000 without taxes, you really need to accumulate only 20 times $125,000, or a total critical mass of just $2.5 million within this structure. That means you get to your goal 50% faster or you get twice the spendable income if you reach your original goal of critical mass in the same time.

Warren Buffett’s top two rules of investing? Rule 1: don’t lose money! Rule 2: see rule 1.

However vast the darkness, we must supply our own light.” — STANLEY KUBRICK, legendary American filmmaker