Dear Reader, One of my clients—a first-gen wealth builder in her early 30s—said something during our coaching call that I know many of us can relate to: “I save the money, but then I don’t want to use it because I don’t want to see my savings go down.” This client had already done so much. She had paid off high-interest debt. She had built savings. She had money going toward retirement. But she was still wondering: What am I supposed to do with my extra cash flow? She wanted to prepare for a...