Saying goodbye to a client because they won't stop overspending highlights the delicate balance between enjoying your hard-earned wealth and outliving your money. Host Charisse Rivers of Zinnia Wealth challenges traditional, restrictive financial advice and deconstructs the popular "three-fund portfolio" strategy. Discover why a cookie-cutter approach to stocks and bonds can expose your nest egg to severe market downturns. This episode breaks down the math behind active portfolio management, exploring how tailored risk buckets can help protect your lifestyle so you can focus on vacationing rather than worrying about market volatility.

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