The most significant risk in your 60s is overspending on your family. We worked so hard to grow our income and assist our children, but our top priority is to protect our wealth.

We cannot make emotion-based decisions. We would love to send our grandkids to private schools or buy massive houses, but it may not be in the cards.

We have to make decisions based on facts and logic. Our choices affect the long-term health of our family for generations.

We can still have fun and make spontaneous moves; however, these will not be major life-altering choices. Our family will understand as their wealth and ours continue to grow.