Bestselling Author and Retirement Expert, Dale McGregor, introduces the concept of your “fiscal house.” He explains why you never start building with the roof and shows how to think of your money in three layers: foundation (low-risk, steady vehicles), walls (your daily-life cash and savings), and roof (higher-risk growth assets). Dale warns how strong markets—like 2025—can tempt people to strip their foundation to overbuild the roof, and why that decision often backfires when markets turn.