Can't cut too much firewood, no such thing.
And congrats on reaching retirement age with enough fingers remaining to type. Wall street types should all be required to wear a blue collar for at least one week.
Retirement is a fairy tale, I've always been told. When Dad retired he took a three week drive to Alaska (one week each way, with a one week stay), rested for a week, then got a part time job. And I've been constantly reassured that I'd never see a dime of the "Social Security" funds I've donated. 401K's? Unions? I'll stick with workin' hard and taking risks, as fortune has a way of finding those who earn it.
Just wondering, what's the percentage of funds "locked in" that investors can't touch?