Recent retiree, (2016). My first uncomfortable milestone, my investment loss exceeded my living expenses in 2018. First time since retiring that net worth actually went down YoY. 2018 loss was 2.8% of portfolio. I know it is no bigee for those who were retired in 2008-2010 or at the "turn of the century". I assume I have many cohorts on this board who also experienced their first "loss" since retirement. I did rebalance last week but I expect 2019 may be similar to 2018.