"We get all these messages in the media news that you never have enough. So whether you actually don’t have enough, and are scraping by, or you’ve gotten used to a certain lifestyle that you feel like you have to sustain, but still you’re feeling pinched by, or even if you have way more than enough, but something could happen in the market - which, of course, it will, at some point -there are many different ways to deal with risk. And the ways that we feel are really ...