“Anxiety” – 48, married (spouse 44 and working), one child (10), MCOL area. Former senior professional, currently at $0 income with a layoff and severance coming. Assets: $951k in a 401(k), $367k in taxable investments, $66k in a Roth IRA, $71k in an HSA, $32k in I-Bonds, $31k in Bitcoin, plus a home with $450k in equity and a $135k mortgage at 2.5%. He has been aiming for $3–3.5M by 55 to feel “truly done,” but the layoff hits right as the numbers suggest he might already be close enough. Current spending is about $110k a year, but they could trim to $65–75k if needed, and many people tell him he is more secure than he thinks. The spreadsheet says he is in a strong spot; his nerves say otherwise, and that gap is driving most of the stress.