Hello Reader, Happy Wednesday! “Why don’t we invest in bonds?” my wife asked. Fair question. Most advice says “go all stocks when you’re young,” but that’s not the whole story. We pulled up our plan and walked through the trade-offs. In your 30s, you likely have a long runway (20–30 years). Over long periods, stocks have historically returned more than bonds, but with bigger, scarier drops along the way. Bonds usually return less, but they steady the ride and give you something to rebalance...