Simran Kaur

So diversifying where all my money is coming from and not just keeping it in one asset class.

And then, I mean, it's a little bit lucky, but worst case scenario, I just...

you know, move back home or tell my husband, honey, I'm going to come clean and kind of manage.

Well, we need to set up his life insurance first to do that, right?

I am a little bit more risk seeking.

I do keep now almost two years of living costs in cash or like a term deposit just on the side for those down markets.

But to be honest, because of my time frame, I want to keep working towards growing the capital gain side of it.

And so keeping it in like growth funds, not aggressive growth funds, but growth funds like, you know, standard VOO portfolio.

That's where I'm at.

I don't know if that's the right thing to do, but that's what I've chosen to do until now.

And I'll see.

Yeah, of course.

I think what I had said was if I knew what was going to happen, if I knew that like I would have reached retirement or, you know, being able to retire and then go, oh, I don't really need to do this.

Right.

I still enjoy work and having purpose.

Maybe I wouldn't have sacrificed as much.

And of course, there's a lot of sacrifices that like go into maybe like not traveling as much as you'd want to.

Or maybe I feel like my 20s was all about like

grinding and hustling.

And there were things that, yeah, maybe I would have done differently if I'd known that I didn't need to retire.