Join us today as we remember the late Charlie Munger, a great investor, philanthropist, and businessman. Then, we're getting in the holiday spirit on this episode of Our 2 Cents with some "merry retirement facts." Finally, Steve and Gabriel share some thoughts on stock market trends and projections.

1. Remembering Charlie Munger:
   • If you read any business news, you probably heard of the passing of Charlie Munger.
   • In honor of him, we're sharing some of his quotes that are our favorites.
2. Merry Retirement Facts:
   • We often share some of the scary stats about retirement, but today we're taking a cheerier look. 
   • The steady growth of IRA balances, increased savings among Americans, and the embrace of retirement savings by younger generations.
3. How Elections Affect the Stock Market:
   • While there may be some trends, it is difficult to predict market performance based on political outcomes.
   • How much do elections actually affect the stock market? 
   • Plus, a quick recap of what the markets did over the last few election periods.
4. Quick Market Perspectives:
   • Vanguard's financial market projections for the next 10 years.
   • Highlighting the expected growth rates for different asset classes.
   • The importance of diversification and the potential for international investments to outperform US equities.