CJ Follini, Publisher
Welcome back, Noyackers!
If you are a high earner in 2026, you are likely living in a paradox. You are in the top 10% of earners, yet you likely feel broke. You are not imagining it.
Most financial advice obsessively focuses on Investment Risk (market volatility). But for a high earner, investment risk is secondary. Real wealth defense requires managing Holistic Risk.
This Week's Blueprint
- Read (7 min) — This week we go over the four major wealth killers high earners face: and they're not what you think.
- Watch (20 min) — Today we sit down with Danielle Mckinley and discuss life insurance: what it is, how it works, and how it impacts your wealth plan.
- Listen (12 min) — Risks impact more than just your bank account: a lack of protection can hurt your net worth as a whole. Learn how to set yourself up with the proper shields.
Risk isn't just a number in a spreadsheet. It’s the gap between what you expect to happen and what actually happens.
The investment industry wants you to focus on the stock market because that’s where they make their fees. But I’m telling you: the market isn’t your biggest enemy. Life is.
In today’s edition we explore:
The Reality Check: Why "Investment Risk" is a distraction for HENRYs (High Earners, Not Rich Yet) living paycheck to paycheck.
The 4 Pillars of Ruin: How Liability, Human Capital, Relationship, and Lifestyle risks threaten your solvency more than a market crash.
The Shield: Why Umbrella Insurance is the cheapest "Sleep Insurance" you can buy.
The Engine: How to burnout-proof and AI-proof your primary income source.
The Fix: A 90-Day "Fortress of Solitude" Roadmap to secure your financial foundation.
Check out the full edition and learn how you can protect yourself today.
Investing in early-stage companies is high-risk. Early Bird terms are limited to the first $125k raised. Please review all terms and risks on our Wefunder page.
📊 Quick Poll: Where is Your Crack in the Wall?
Until next Sunday,
—CJ & The NOYACK Team
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