Sequence of Returns Risk (SORR). You are retiring into a market crash + high inflation. If you’re forced to sell low while prices soar, your portfolio can struggle.
Fix it with: 
1) A cash cushion (1–2 years of expenses),
2) Flexible spending (skip that Bali trip if markets tank), or
3) Side income. 
👉 Watch the “flexibility toolkit” section for survival strategies!