long-term financial planning myths

Long‑term financial planning myths are everywhere right now. One viral post promises a ₹1 crore future with a five‑step formula. Another sells a 10–15 year smallcap horizon as if volatility politely waits outside the door. And then there’s the familiar SWP story—Sharath’s retiree‑lens model that looked flawless on paper but collapsed under real‑world sequence risk….