Listen and subscribe to Decoding Retirement on Apple Podcasts, Spotify, or wherever you find your favorite podcasts. Gen X business owners are "scrappy, independent folks," but that grit comes with a risk, said Kerry Hannon, a Yahoo Finance columnist and co-author of "Retirement Bites." The problem: While profits plowed back into the company can boost its value, they can also concentrate wealth in a single illiquid asset. In her book, Hannon noted that 42% of small-business owners worry they'll never be ...