Fun thought experiment. Mine would be built around one principle: never needing to make a desperate financial decision again. I would probably split it roughly like this: - 45% broad global equities — low-cost index ETFs for long-term growth - 20% dividend / quality companies — boring, durable businesses that pay me to wait - 15% bonds, GICs, and cash equivalents — enough runway to ignore market panic - 10% real assets — REITs, infrastructure, maybe a small gold allocation - 5% higher-conviction growth bets — AI, semiconductors, space, or companies I genuinely understand - 5% “life capital” — travel, experiences, learning, family, and a few investments purely because they make life more interesting The portfolio should cover the basics, keep compounding, and still leave room for curiosity without risking the whole plan. My real rule: I would want enough safe income and liquidity that a 30–40% market drop would be annoying, not life-changing. What would be the hardest part for everyone: resisting lifestyle inflation, or resisting the urge to constantly tinker with the portfolio?