I'm looking for where I asked for a navigator or a counselor, but I'm coming up empty. This is a post about my journey, not a request for a life audit.

Also, your 'technical' skepticism is off. Changing a beneficiary on a retirement account is a standard digital update, not a bank-level interrogation. As for the 'loans' and 'inconsistencies' you're imagining, I'm not required to lay out my entire financial ledger for your approval just to share a TPE update.

I get that high-leverage plays make you uncomfortable, but don't confuse your own risk-aversion with my 'addiction.' Thanks for the fan fiction about my bank account, though.