Finvest

Key takeaways Jamie: wealth starts with surplus, not returns. A $710/mo gap beat a 24.9% card in 11 months. Maya: high income is fragile when concentrated. A written vest-and-diversify policy beats vest-day courage. Priya: design for volatility, not the average month. Two reserves and a fixed owner's draw turn lumpy revenue into a paycheck. Carlos & Elena: retirement is sequencing, not a number. Claiming, Medicare, conversions, and withdrawals are one decision, modeled over both lifetimes. Renee: agency without pretending obligations away. A $9,000 cap is how generosity survives. The shared shape: context, resilience, growth, coordination, in that order.