It’s January 2026, and if you look at your 401(k) balance, you probably feel pretty good. The S&P 500 is hovering near record highs, and the “AI revolution” has pushed company valuations into the stratosphere. But while the party is still raging, the investment police are knocking at the door. Beneath the surface, the math is getting ugly. A specific set of economic alarms—ones that…
