 We've got to make sure we have the safety that we need and the income we need so that we never run out of money. Now, does it make sense to have all our money in one asset class? I would say no. You shouldn't have all your money ever in one asset class. That's why it's important to remember this. Think of it like this. You're almost there. It's called retirement, right? But as that date quickly approaches, you may begin to wonder if you really have enough income in retirement.