Personal Finance Club indicates that volatility index VIX remains below 14, suggesting complacency in equity markets. However, historical backtests highlight potential short-term spikes during earnings seasons. On top of his $110,000 salary, Raymond and his wife of the same age both collect Social Security benefits. He applied at age 70 to get the maximum possible amount, while she receives a spousal benefit based on his work record. This principle — along with selling his first company, a start-up called RentLinx — allowed him to retire at 36 years old. Now, he spends his days running a popular Instagram account featuring all things personal finance. Personal Finance Club mentions REITs gaining momentum as long-term yields retreat. Commercial real estate indexes improved 6% over the last quarter, with retail REITs leading performance.