Great article that moves the ball forward on dated personal financial planning now that the world is a very different place than it was decades ago when this wisdom was first adopted. Author makes solid points about why we blindly continue to plan for our future using standard 60/40 investment portfolios now that decades of govt spending has spiraled global debt to unprecedented levels, with no realistic chance of ever returning back to “normal” Old financial planning models must be updated to reflect this current/future reality, and risk assets like bitcoin have a significant part to play (even if just a few % of portfolio composition)