As you approach your golden years, the fear of a market crash derailing your retirement plans looms large. Recent studies show that a significant market downturn can force individuals to delay their retirement by months or even years, throwing carefully crafted financial plans into disarray. The 2008 financial crisis and the 2020 market volatility due to COVID-19 have demonstrated just how vulnerable retirement savings can be to sudden economic shifts. Are we close to another time like this?