 Here's why this concerns me greatly. I've spent many years helping thousands of clients retire, and I've learned that the smaller amount of money that some people have, the bigger the impact of significant loss can have on them. Let me give you an example to illustrate this point. If you have $10 million and you lose 50%, you still have $5 million left. But if you have $300,000 and you lose the same 50%, you're left with only $150,000.