| I’m officially two years away from retirement, but my portfolio seems to think I’m still a 25-year-old crypto bro. About 50% of my entire net worth is riding high on tech through QQQ. Sounds terrifying for a future retiree, right?
Except I haven’t bought a single share in over two years, and my average cost is sitting pretty at $350.
With a cushion that fat, market dips don't even ruin my morning coffee anymore. Out of curiosity, I asked ChatGPT for a quick portfolio check.
The AI basically panicked, lecturing me about how "extremely dangerous" my life choices are for someone nearing the finish line. It sounded less like a smart robot and more like an overprotective mother. Here’s my little secret, though:
I’ve already got my first 10 years of retirement living expenses parked safely in boring, non-tech assets.
I won’t even need to touch a single dollar of this QQQ stack for a decade.
Plus, if I sell now, the taxman will take a bite so big it’ll hurt more than any market crash. So, am I crazy for ignoring my AI overlord and just letting it sit?
Or do other retirees secretly keep their tech addiction alive while hiding behind a 10-year cash safety net? | 
