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The market hitting a new high does not automatically mean it is about to crash. Here is how retirees should think about short term money, long term money, and market headlines.

In many couples, one spouse quietly runs the money system. They know where the accounts are, how bills get paid, and who to call. That works fine until illness, death, or incapacity forces the other spouse to learn everything during a crisis.

A good investment can’t fix the wrong portfolio mix. Before Wichita investors near retirement chase another fund or stock, they need to know how much belongs in stocks, bonds, cash, and other assets.

Before you ask whether now is a good time to invest, ask when you need the money. A dollar you need next year and a dollar you need 25 years from now have different jobs to do.

Some investments create value through earnings, rent, interest, or cash flow. Others only work if someone else pays more later. If you’re within 5 years of retirement, knowing the difference matters.