You concerned about Latinx Wealth? Yeah, no one is because NO ONE Is Latinx. But the Centers for Retirement Research is concerned from their academic bubble of non-reality.
https://squaredawayblog.bc.edu/squared-away/health-insurance-increases-latinx-wealth/?unapproved=720445&moderation-hash=94cce7b3dc5f500c4cbb7281d9864b60#comment-720445
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
Worried About a Stock Market Crash? Here’s What You Should Be Worried About Instead. - Barron's https://share.google/zxmc1t7eE4TLrdHPh
Read this article from Barron's
https://www.morningstar.com/portfolios/when-it-comes-bonds-dont-be-hero
Interesting article on bond allocation, short term needs for retirement are better to be in a money market account up to two years of spending and up to ten years in a high quality active bond fund. Also active bonds have outperformed index bond funds by one percent