maybe final

_posts/2023-12-26-23-retiring-from-ibm.md

@@ -32,7 +32,7 @@ The ability to retire means gaining Financial Independence from your employer.
 - Start saving/investing very early in your career to maximize compound growth over time
 - Save/invest at least 10-15% of income
 - Prioritize saving/investing in ROTH 401K and ROTH IRA over traditional 401K and IRAs.  Withdrawing from ROTH is tax free while traditional 401K/IRAs are subject to income tax and Required Minimum Distributions in your mid 70's
-- Invest in your own financial literacy and fitness.  You need to understand diversification, risk vs reward, active vs. passive investing, compound interest growth, asset allocation, rebalancing, the 4% withdraw rule, RMDs and more
+- Invest in your own financial literacy and fitness.  You need to understand diversification, risk vs reward, active vs. passive investing, compound interest growth, asset allocation, rebalancing, the 4% withdraw rule, RMDs, sequence-of-returns risk, and more
 - Invest aggressively and don't panic during market downturns
 - Leverage the IBM MoneySmart consultants for guidance in financial planning
 - Invest in your career - continuous learning, skills acquisition, to maximize income potential and employability
@@ -67,7 +67,7 @@ The ability to retire means gaining Financial Independence from your employer.
 
 ### Deciding to retire was harder than I thought it would be
 
-Most of us dream of retiring some day.  When you don't have to work, deal with deadlines, boring meetings, the daily grind, the pressure to deliver, dread Mondays and can only imagine having the time to do what you want.  That is the way I felt too.
+Most of us dream of retiring some day.  When you don't have to work, deal with deadlines, boring meetings, the daily grind, the pressure to deliver, dreaded Mondays and can only imagine having the time to do what you want.  That is the way I felt too.
 
 However, as you get near being in a position financially to retire, you are likely at a different phase in your life and career.  Your children are likely grown, on their own and out of the house.  You are now an experienced and seasoned employee, hopefully bit wiser and more resilient.  You are in your peak earning years and likely enjoy having both more time and money to do some of the things you want.