For decades, the financial services industry delivered a consistent message: start saving early, harness compound growth, stay invested through market cycles, and let time do the heavy lifting. Baby Boomers and Silver Surfers did precisely that. They saved, invested, and stayed the course through the dot-com crash, the 2008 financial crisis, and the pandemic shock of 2020. The result is a remarkable concentration of wealth in the hands of a generation that followed the rules. The question now is whether those same rules still apply. The honest answer is that they do not.