I wanted to write a short, quick note given all the carnage out there, today. It’s worth noting that for all that today felt bad, SPX was only down 1.7%, taking us to 2.6% off all-time highs. That said, plenty of recent winners and momentum stocks have been hit hard. What happened?

There was a time—not that long ago—when one person could work a 9-to-5, support a family, buy a home, and still have enough left over for a vacation and a few steak dinners. That time? Gone.

Many financial advisors are chest-out, and stuck in thinking the most important thing is money. Financial Advising isn’t about money, it’s about life. In the world of financial planning, it’s easy to get caught up in optimization. We talk about tax efficiency, investment returns, retirement savings, and maximizing every dollar — and all of that matters. But here’s the truth: not every decision you make has to be the perfect financial one.