My mid-week morning train WFH reads: • The Worst Year to Retire Wasn’t 1929. The Creator of the 4% Retirement Rule Says It Was 1968 . William Bengen, who conceived the 4% rule for safe portfolio withdrawals, to calculate the worst time to retire over the past century. A reasonable guess might be October 1929, right before stocks crashed. The Dow Jones Industrial Average lost 89% of its value by the summer of 1932. The Dow didn’t top its 1929 high until 1954. You would be wrong. Retirees in 1968 fared worse when stocks encountered a prolonged bear market that persisted until the early 1980s. However, the real killer was inflation. ( Barron’s ) • The government is meddling with earnings reporting — but Tesla, Amazon and other market superstars prove there’s no problem : Investors aren’t trapped in short-term thinking — but the SEC still wants semiannual earnings reporting.…