@nicholas_crown: You can have ultra-low fees—and still lose half your portfolio if your structure is wrong. Here’s what’s happening: Long bonds are still bleeding when rates rise High-risk equities are getting crushed Target date funds loaded you into the wrong mix—and no one told you Smart investors today: Focus on durable equity like VTI and SCHD Maintain real liquidity Build protection, not just chase low fees 👉 Comment "BLUEPRINT" and I’ll send you the link to my smart equity structure guide.