2022 has been a bad year for most investors. Both stocks and most bonds are down sharply. You may be wondering why?  Hear Kevin explain what has been happening in markets with key points related to understanding diversification, risk, and four key economic regimes for investors to balance against. Learn why even a "balanced investor" has 90% of risk coming from one asset class, and why bad behavior is causing severe pain for many return-chasing investors as they go down with the ARKK.  The egghead alert may sound on this episode, but Kevin will keep things at a high, understandable level at this crucial time. Learn more about our Retire Smarter Solution™: https://www.truewealthdesign.com/ep-45-retire-smarter-solution/ Listen for these key topics:   Read more and get additional financial resources here: https://www.truewealthdesign.com/podcast/