My portfolio is down 30%. Do I still have enough to retire this year?

Watching a portfolio drop sharply in the very year you meant to retire is unnerving, and it raises a fair question: is the plan still on? This piece meets that worry head-on for someone whose investments have fallen and whose retirement date suddenly feels shaky. Allan works through it using a framework he describes as create, convert and conserve, a way of thinking about how you build wealth, turn it into reliable income, and protect what you have through rough stretches. The discussion is less about predicting the market's next move and more about how structure, flexibility and sequencing of withdrawals can keep a retirement viable even after a bad year. It is relevant to anyone standing at the edge of retirement during a downturn and wondering whether to proceed, adjust the timing, or rethink how their income will actually be drawn.