[Verse 1] When you're young and just starting out Your biggest asset isn't cash, no doubt It's the decades of paychecks yet to come Human capital, that's where wealth is from High earning power means you can take more risk Stock investments won't make your future skip [Chorus] Human capital, financial capital They dance together through the years When one goes up, adjust the other Balance risk as time appears H-C strong means F-C bold H-C weak means F-C controlled Human capital, financial capital Your earning power steers [Verse 2] A doctor's income is stable and secure So their portfolio can take risks for sure But a salesman's pay goes up and down Should keep their investments safe and sound Your job stability affects your plan Steady work means risks you can withstand [Chorus] Human capital, financial capital They dance together through the years When one goes up, adjust the other Balance risk as time appears H-C strong means F-C bold H-C weak means F-C controlled Human capital, financial capital Your earning power steers [Bridge] Twenty-five years old, go heavy stocks Forty years of paychecks, weather the shocks Fifty-five years old, shift to bonds Ten years left, preserve what you've spawned As human capital fades away Financial capital saves the day [Verse 3] Age-based allocation makes perfect sense When earning power is intense, take the chance But as retirement draws near Protect what you hold dear From human wealth to financial wealth That's how you secure your future health [Chorus] Human capital, financial capital They dance together through the years When one goes up, adjust the other Balance risk as time appears H-C strong means F-C bold H-C weak means F-C controlled Human capital, financial capital Your earning power steers [Outro] Your greatest asset walks with you each day Plan your investments the human capital way
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