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There are no more “saves” available for the next market meltdown.

The timing of finally embracing risk and sacrifice as the only option left is exquisitely sensitive: finally caving in a moment too late leads to the system collapsing beyond recovery.

Absent demand from tens of millions of wealthy, high-income buyers, asset valuations will fall as Boomers sell off assets to fund their retirement.

Following the conventional path is a deadend. It isn’t easy to carve a path outside the well-worn pathways of debt servitude, but it is possible.