[Verse 1] Twenty-five years old, fresh diploma in hand Salary climbing like a rocket, future so grand But here's the secret wealth planners know by heart Your paycheck potential is financial art Young professionals hold a treasure chest of time Decades of earnings in their prime [Chorus] Human capital flows to financial capital grows As your earning years fade, bond allocation shows Start aggressive when your paycheck's guaranteed Shift conservative as retirement you feed HC to FC, that's the key to see Your working power sets your portfolio free [Verse 2] Surgeon's got steady income, million-dollar hands Entrepreneur's riding waves like shifting sands Safe careers mean risky stocks won't break your plans Volatile paychecks need stable investment lands Match your portfolio to your profession's dance Give uncertainty no second chance [Chorus] Human capital flows to financial capital grows As your earning years fade, bond allocation shows Start aggressive when your paycheck's guaranteed Shift conservative as retirement you feed HC to FC, that's the key to see Your working power sets your portfolio free [Bridge] Age thirty: ninety percent in equity fire Age fifty: fifty-fifty to retire Your earning engine slowly winds down Safe bonds become your golden crown [Verse 3] Complement your career with opposite moves Teacher's steady check needs growth that soothes Commission salesman needs bonds that anchor tight Balance human capital with investment might Young workers bet heavy on market gains Older savers shelter from financial rains [Chorus] Human capital flows to financial capital grows As your earning years fade, bond allocation shows Start aggressive when your paycheck's guaranteed Shift conservative as retirement you feed HC to FC, that's the key to see Your working power sets your portfolio free [Outro] Chart your wealth by charting years ahead Human capital wisdom keeps portfolios fed
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