Dear Reader, One of my clients—a first-gen healthcare professional with a son with special needs—came to our session in a panic. “I think I was scared that I was going to waste all the money in the universe.” She had more money sitting in her checking account than she’d seen in a while. Instead of feeling secure… she felt urgency. Like she needed to move it somewhere before it disappeared. When we reviewed her numbers, we calculated her true monthly expenses: about $5,100. Then we did...