It's Brian Preston, the money guy, restoring order to your financial chaos, retirement, investing,

taxing. You've got financial questions. He's got financial answers. It's Brian Preston, the money guy.

All right, Brian. Karen, oh, okay. Karen asked a good question. It's sort of an investing question.

I'm hoping to retire in three years, 36 months of retirement. My portfolio is mostly in stock index

funds. Should I be worried? So let me go ahead and give all the disclaimers before you give all

the answers. Karen, we don't know your specific situation. We don't know the unique things about

your circumstance and make your circumstance unique. So we can't give specific, directed,

investment advice, allocation advice, construction advice. However, I hope what Brian's going to share

are some general principles that someone approaching three years away from retirement should be

thinking about and thinking through. I think it's interesting. I think the timing couldn't be

better in the fact that we've had volatility in the last two weeks. That people, and it's always

amazing. Everybody thinks they're going to the moon with their portfolio until we hit periods

of volatility. Until we're not. And then people realize, whoo, you know, yes, it's great that the

financial markets make, you know, overtime make 10, 11, 12% depend upon which period of time you're

looking at. But it's not all smooth sailing. And I talk about that all the time with you. Once again,

you have the yo-yo that you're throwing up and down. That's the daily volatility. Meaning the

stock market goes up and down on a daily basis. But as you walk to higher ground over the long term,

you're as you climb the mountain, that volatility means less and less. But there is a component on

this is that wealth creation is a maximizing thing. And when you're younger, we build this into a

lot of our content and so forth. I want you trying to maximize what you can create and create your

army of dollars growing exponentially. But then wealth creation's one thing. There's wealth

preservation and keeping wealth. And we know the stat that 80, 80 plus percent of millionaires

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