Dear Reader, Some first-gen wealth builders are saving money but they’re not building financial security. They have cash sitting in savings, maybe a 401(k) through work, maybe a pension—but no clear strategy. That was exactly the case for my client, a 42-year-old six-figure earner who came to me saying: “I want to become work-optional as soon as possible.” They had two pensions, a 403(b), and tens of thousands saved—but no Roth IRA, no taxable brokerage account, no sinking funds, and no clear...