When clarity fades, lifetime wealth can quietly slip away. The greatest losses often happen without urgency, headlines, or obvious mistakes. By Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer® I recently read new research from the Federal Reserve Bank of Philadelphia titled Aging and Housing Returns , November 2025,  which confirmed something I’ve long believed—but still found troubling to see backed by data. The study shows that older homeowners often earn meaningfully