How to save for retirement without ever having to worry about anything. What I wrote at the Wall Street Journal.

"How to Retire in a Bear Market" then a list of 8 things to do, for example "Don't panic".

Most people are doing it wrong in my opinion.

I don't fear bear markets. Instead I love bear markets because they are buying opportunities.

The idea is after much research buy only the best Dividend Aristocrats, hold for life, reinvest the dividends, never touch the principle, and retire only after there is more than enough dividend income to live on, enough to continue giving yourself a raise every month by using excess cash to buy more Dividend Aristocrats. If the stocks get cheaper that's a wonderful thing because the investor is in it only for the dividend income.

Conservative dividend investing is boring but it works, especially when starting at a very young age.

http://www.wsj.com/articles/how-to-retire-in-a-bear-market-1457320407