Afford Anything · Tuesday, August 11, 2026
A 37-year-old doctor and nurse couple, Mike and his wife, are planning to retire early in their 40s with a projected $4 million portfolio. Mike is seeking advice on an aggressive asset allocation of 80% stocks, 10% long-term treasuries, and 10% gold, questioning if it's too conservative given their flexibility to return to work if needed.
“We have some great income and we've currently got 1.2 million in investable assets. So I project that this is going to grow to close to 4 million in 8 to 10 years, and that's of course depending on markets and everything like that.”
“Am I crazy to do something like 80% stocks, mainly split between small cap value and large cap growth, 10% long-term treasuries and 10% gold?”
“And I'd have plenty of years to make it up if the market's tanked, being only 45.”