accountsaffectannuitiesassetsbondscapitalchoicescostcriticaldecisionsdeclinedestroydiversificationfeesfinancialgainsgogoinggoodhappensincomeinflationinvestiraknowmakemarketmoneyneedpenaltyplanpoorportfoliopreparingptrealrequiredretirementsafetysinglestockssuddenlyunderstandunknownvolatilitywillworkswreck