If you've landed here, it's either in error or because you are a little curious. Please indulge me for a moment: I signed up as a contributor to publish in September, 2017 the ten-series of artlcles on what Senior Editor Gil Weinreich featured as 'America's Future Finances'. I consider this the single most important matter that will affect nearly everyone in the U.S. in the next two decades. Risk has two components: probability and severity. Collectively, the eight financial challenges addressed in the series, unless they reverse course soon, will rise to the maximum level of both. Sound like an oversell? Maybe, but you decide. (For credibility, I've published only 12 articles as a newbie author as of this writing, 4 of which have garnered 'Editor's Pick' status.) Please consider a short investment of your time - a 20 second page-down scan of the final article 10, which summarizes the series. Then, consider whether it is worth your investment of time to read the supporting evidence in the articles, which I cited from over 50 articles and other sources, and invested over 150 hours in researching, developing, drafting, and editing. Then, objectively decide for yourself. We have many growing concerns in this nation (name your poison: opioids, ineffective politicians, terrorism and rogue nation threats, global warming, others). May I suggest you consider thoughtfully where this ranks within the next 20 years in terms of probability, severity, length, and pervasiveness affecting most every living American. I promise you that your awareness of the challenges we face will be sobering, how you think about investing for retirement will change, and that your time invested will be well worth it. BIO: Nearly 40-year, and now retired, CPA. Former experience includes audit and tax work with small and large CPA firms (including as a manager with a 'Big Eight' firm) for companies ranging in size from shoebox records to 10K and 10Q reviews, and audits, for a Fortune 500. Also served in various private companies as controller/CFO. Spent the last 21 years prior to retirement with several municipalities as Finance Director (former CPFO, CGFM, CNA) with background in all aspects of financial and treasury management. This included investment of a $25m portfolio in fixed income investments, and issuances of SEC-registered municipal bonds (writing the POS's and OS's), including a trip to Wall Street to meet with Moody's for a bond rating and for a bond insurance meeting (which included a cool visit on the floor of the NYSE during the trading day, pre- 9/11). I also benefit from a series four week-long seminars on real estate economic development training via classes and tests to become certified as an Economic Development Finance Professional (EDFP). (Never used one bit of it in my career, but it sure helps to understand IRR's etc for REITs now.) Beyond the CPA-type details, macro-focused and long-term strategic thinker and investor since the early 1980s focused on DGI of revenue-growing cash-flow cows. As a retiree, I prefer investments to companies with 1) steady, monthly, growing top line revenue, 2) growing cash flow and income and dividends, 3) strong long-term runway for product/service demand, 4) with strong controls over expenses and little overhead %. Investing for both growing dividends and total return. These characteristics, particularly increasing dividends during hard times, build wealth over time by compounding including reinvestment in the Roth and traditional IRAs. I find many selective REITs to strongly fulfill these specific portfolio criteria more than many non-reits (particularly economic-sensitive including cyclicals and banks). My holdings have changed over recent years and will change going forward as I continue to learn and tweak my portfolio. While I would prefer to be a long-term buy monitor investor, I've recognized that circumstances change over time, and what was once a great investment may no longer be. While I am presently focused on data center, tower, and fiber reits, I also expect in the future to evaluate many other investment choices. As a retiree, I'm not a trader. I prefer owning companies with great fundamentals versus more riskier options. This means fewer worries about the thousands of minute-by-minute price overreactions when Mr. Market has another bi-polar manic tantrum. When prices drop, I just remind myself that I own great companies with strong fundamentals in sound long-term growing businesses having growing cash flows and dividends. Selloffs are awesome opportunities: value buying matters enormously, having learned that overpaying has been my greatest mistake, but one of the best lessons learned. My career experience In accounting and finance provides critical skills sets for investing, of which one of the best is recognizing the exponential wealth-building power of reinvestment of divvies in deferred/tax free accounts. SA handle explanation: photo - Lennon Rickenbacker 350 model. former member of 60's/Beatles bands, harp, keyboards, backing vocals, occasional lead vocal. Met McCartney a couple of times in '74 at his home in St. Johns Wood, a few blocks from EMI studios at Abbey Road (if you're going to London). Got hooked at that point.