Kevin O’Leary argues that true financial security isn’t about net worth, it’s about liquidity. According to him, having $5 million in safe, liquid assets like T-bills means you’ve effectively secured your future, regardless of what happens in markets or business. Most people who consider themselves wealthy don’t meet this standard, because their money is tied up in assets they can’t access quickly. His framework is simple: build to $5M liquid first, then take risks with everything beyond that. U

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