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    <title>What Happens If Your First Year of Retirement Is a Bear Market?</title>
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    <description>A first-year bear market does not automatically break FIRE, but early losses plus rigid withdrawals can permanently reduce the recovery base. Use this U.S. action plan and decision triggers before selling.</description>
    <pubDate>Mon, 01 Jun 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
    <category>fire</category><category>retirement withdrawals</category><category>bear market</category><category>sequence risk</category><category>cash flow</category>
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