The problem is that the long-run average return is not a guarantee for any given year. Ramsey put it directly: the planner "didn't adjust for taxes and he didn't adjust for risk." He's right on both counts, and the risk adjustment is the more consequential omission.Have You read The New Report Shaking Up Retirement Plans ? Americans are answering three questions and many are realizing they can retire earlier than expected.The planner's logic is called mortgage arbitrage: borrow at a low fixed rate, invest a ...