Mark's third lesson from the crash of 2008 is to use a Glide Path to lower your risk as you age. Some investors have a tendency to stay in the same portfolio regardless of their age. The increased volatility can be that much more nerve-racking in your later years as you close in on retirement. By using a Glide Path to lower your risk into your twilight years, it makes it easier to tie yourself to the mast in order to avoid the destruction of the siren songs.