Average people and trust funders are not solving the same problem. Trust funders want to build a fortune that lasts for generations. For the rest of us, the goal is to save when we are young and spend when we are old. This problem requires a totally different solution than growing and maintaining wealth over generations—and to make matters worse, it is a much harder problem to solve. You don’t know how long your money needs to last, and if you spend too much you risk poverty in your most vulnerable years.
