Cell Phones: While cell phones are still not 100 percent reliable in the backcountry, service coverage and the usefulness of smartphones has increased dramatically in the last seven years. While cell phones are still questionably reliable in the backcountry, many adventurers will carry them anyway as they also serve as light cameras and can help with GPS and electronic compass navigation. Today, most of them also work as a flashlight. Regardless, they are worthless if the battery is dead, so plan accordingly.
To make this important point: You and I benefit from simulations because we test our asset allocation formula and our spending plan together. We not only want an asset allocation and spending plan that stands up reasonably well in a financial storm, we want an asset allocation and spending plan that helps us avoid freaking out at the worst possible moment.
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