Year Race

Which retirement cohort came out on top? These Year Race shorts pit multiple starting years against each other in a head-to-head competition across 30 years of real market history. Watch as portfolios diverge based solely on when each retiree started withdrawing. The format makes sequence-of-returns risk viscerally clear. Two retirees with identical portfolios and withdrawal rates can end up in completely different positions simply because one started a few years earlier or later. The races show how early market crashes can doom a portfolio while early bull runs can make it nearly indestructible. Each race uses actual historical returns — no simulated data or Monte Carlo projections. You’re watching real market history play out year by year. These shorts are among the most popular on the channel because they turn abstract financial concepts into a visual competition with clear winners and losers.