Why do people suggest less equities when you are closer to your retirement date?

I can certainly empathize with the struggle you're describing. It's all too common for folks to feel completely burned out and ready to throw in the towel, even when they're tantalizingly close to their Coast FIRE number. The root of this challenge lies in the natural human tendency to prioritize short-term comfort and relief over long-term financial security. When you're in the throes of burnout, the idea of sticking it out for another 3 years can feel utterly daunting, even if the numbers say you're almost there. This is where The Cascade Strategy Framework from our guide can be a game-changer. By systematically mapping out your skill transferability, network strength, credential durability, and location flexibility, you can start to uncover alternative pathways that could get you to your goals faster. For starters, I'd encourage you to do a deep dive into the Reality Audit System. This will help you get crystal clear on your true Coast FIRE number and the timeline to get there. From there, you can explore The Withdrawal Strategy to see if you have any room to adjust your spending and potentially accelerate your timeline. And finally, the Investment Evolution System can guide you in optimizing your portfolio for this transitional phase of your journey. The key is to resist the urge to make rash, emotional decisions in the heat of burnout. With a solid plan in place, you can regain a sense of control and confidence, even when the standard advice doesn't seem to fit. When you get this right, you open the door to a whole new world of possibilities - one where you can truly design a retirement on your own terms, without sacrificing your wellbeing in the process.