Most people want long-term wealthuntil short-term volatility shows up. ...

You don’t need a 7-figure salary.You need a 5-figure savings habit. ...

The market doesn’t test your IQ.It tests your patience. ...

The longer your holding period, the fewer apologies you owe to volatility. ...

Market Sentiment - Market exhibits signs of a bubble, characterized by widespread overconfidence [1] - New terminology masks familiar risks, indicating potential for misjudgment [1] - Caution is perceived negatively, suggesting excessive risk-taking behavior [1] - Celebrity endorsements of startups are prevalent, potentially inflating valuations [1] - Executives are selling shares during market rallies, possibly signaling a peak [1] Investment Concerns - Investors may be neglecting due diligence, such as thoroughly reviewing S-1 filings [1] - High P/E ratios reflect pure euphoria, potentially unsustainable [1] - Margin debt is at peak levels, increasing vulnerability to market corrections [1] - Price targets are rapidly increasing, possibly driven by speculation [1] - The market features speculative assets like "tokens for tulips" and "SPAC-harade", reminiscent of historical bubbles [1]

As an investor, which do you dread more: ...

The market isn’t emotional.You are.And that’s the real problem. ...

Housing Market - Average home prices have increased by 2,000% since 1970 [1] Stock Market Performance - The S&P 500 has risen by 12,800% since 1970 [1]

Financial Independence - Financial freedom is defined as living below your means, even when capable of spending more [1]

Core Argument - The core issue is not a lack of funds, but rather a deficiency in long-term financial planning and delayed gratification [1] Behavioral Finance Insight - The industry suggests that perceived money problems often stem from a lack of patience [1]