Our 53-year-old $100M+ client gives me a ring. For the first time, he's asking 23-year-old me for advice.

"We're buying the beach house so I need to sell some equities. Terrible year for it with already selling the company, but I don't know what else to do. Any ideas?" I'm 23. I’d just learned that a trust was different than a will. I’d just learned that AAPL, NVDA, AMZN wasn't a diversified portfolio. And he’s asking me. A week earlier, we'd helped a client buy an investment property by pledging stock against a line of credit instead of selling. "Have you heard of a pledged line of credit?" "Like a HELOC?" "Yeah, but pledged to your stock. And because of how much you have with us, your rate would be... 2%." 3 days later, the account was opened. A month later, the beach house was purchased. He had 10,000x my net worth. I still knew something he didn't.