1. The article argues that cash is a long-term wealth destroyer, while equities with strong competitive advantages (moats) offer better wealth protection and compounding potential; 2. It highlights Warren Buffett's success in investing in durable businesses and advocates for a similar strategy focused on companies with long-term value; 3. The author recommends three dividend-paying companies with resilient business models and consistent income streams, positioning them as core holdings for retirement portfolios.