Riding the Waves to Financial Independence: Our Asset Allocation Journey

Picture this: You're standing on a beach at sunset, waves gently lapping at the shore. Someone hands you a beach bed and says, "Place it wherever you like." Where would you put it? If you're in your 20s, 30s, or even 40s, you might boldly place that bed close to the water's edge. The thrill of the waves, the sound of the ocean—it's all part of the experience, right? And if the tide rises? No worries! You're young, strong, and agile enough to quickly move the bed if needed. But what if you're over 65? Would you take the same risk? Probably not. You'd likely place that bed far enough from the water to avoid a rude awakening from an unexpected wave. (No offense to the 65+ crowd—my 77-year-old father could probably move a mountain