As we've proven thousands of times in our initial, and comprehensive, retirement financial plans, this is a solid myth for almost everyone. But don't take my word for it. Here is an accessible but detailed body of evidence gathered by financial behemoth BlackRock. See page 7 especially.
https://drive.google.com/file/d/1tNO0xoEGRa1w9i3eSyoBpnjzX5FPKBek/view?usp=sharing
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