For example, in a job negotiation, some issues at stake might be your salary, your start date, your responsibilities, the amount of vacation days you get, and your benefits.

For example, if the current number is 16, the next one will be 20 (16+4). The random number of 22 appears every third time in the pattern, breaking the 'add 4' sequence.

Many investors rely on the "4% retirement rule", but it has a serious problem. If you are nearing retirement, you need to understand "sequence of investment returns" because it can mean the ...