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The Four Types of Capital: In his book, A Wealth of Well-Being, behavioral finance guru Dr. Meir Statman introduces a refreshingly human framework that invites us to think beyond dollars and dividends. He lays out a “portfolio of life,” composed of four unique types of capital: financial, social, cultural, and personal. This diversified blend represents the assets that truly support a meaningful and fulfilling retirement—not just financially, but emotionally, relationally, and spiritually.

Key Takeaways:

📌 Financial capital isn’t the goal—it’s the fuel for a fulfilling life

📌 Social capital—from deep friendships to casual connections—can open doors money can’t

📌 Cultural capital anchors your financial choices in personal values

📌 Personal capital is your greatest asset (health, mindset, and emotional strength)

Ask yourself: Where are you thriving? Where could you reinvest time, money, or energy for a better return on life? Retirement isn’t just about wealth preservation—it’s about life maximization.