Episode 6 of 6
Carla's New Relationship with Risk
Six months in, Carla has moved $180k from money market to a diversified portfolio. Her cash allocation has dropped from 60% to 38%. She models her updated retirement picture — and for the first time, the numbers make her feel safe rather than scared.
Key Insight
Carla's updated allocation — 38% cash, 25% bonds, 37% equities — projects $1.34M by retirement at 65. Her original 60% cash allocation projected $1.07M. The $270k difference is the cumulative cost of the fear she is now managing. Her Monte Carlo success rate through age 95 is 97%.
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