{
  "id": 16193814,
  "title": "Why the Wealthiest People in the Room Are Often the Most Miserable — and What to Do About It",
  "url": "https://urgent.news/2026/10/23/why-the-wealthiest-people-in-the-room-are-often-the-most-miserable",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-23T14:06:02.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/investing/2026/10/23/why-the-wealthiest-people-in-the-room-are-often-the-most-miserable-and-what-to-do-about-it/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "Matt Ludmer, a 40-year Wall Street veteran and author of the Right Mountain, shared his insights on why wealthy people often feel miserable and what can be done about it. Having started his career as one of the first wealth managers at Morgan Stanley, he observed that most of his clients were unhappy despite their wealth. After decades at the top of his craft, he realized that traditional definitions of wealth and success were flawed.\n\nLudmer's personal experience in the 90s, managing money for an offshore captive insurance company, led him to develop the three-pot portfolio strategy. He explained that insurance companies manage their money differently, dividing it into three pots: a working capital portfolio for short-term needs, an insurance reserve for intermediate needs, and a surplus for long-term growth. This strategy allowed them to handle volatility better, as they didn't have to sell their investments to meet immediate demands.\n\nLudmer believes that wealthy individuals can adopt a similar approach to manage their finances more effectively. By separating their assets into different pots, they can avoid the stress of selling their investments during market volatility. Instead, they can rely on the untouchable long-term pot to meet their financial needs. This strategy can help individuals build lasting wealth while maintaining financial stability and reducing anxiety.",
  "summary": "After 40 years of managing money for some of the most successful people on Wall Street, Matt Ludmer came to a conclusion that surprised even him: Accumulating more rarely made his clients happier. Motley Fool contributing analyst Rachel Warren sits down with Ludmer — founder of Aligned Wealth Management and author of \"The Right Mountain\" — to explore the gap between financial achievement and…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}