Kiplinger

The Bull Run Is Over: It’s Time To Replace Luck with a Plan

When the market plummeted on March 9, for the first time since 2008, I was on a beach in North Carolina, watching my 3-year-old chase seagulls.

It was supposed to be a “mental health” day. My wife’s boss had generously lent us her beach house for a quick getaway before our second child, due in a couple of months, came along.

Seemed like a great idea. Then, I got a notification at 3 a.m. that oil prices had plunged. And a few hours later, at 9:49 a.m., the S&P 500 fell 7%, triggering

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