The Most Consistent Player Wins The Game
If you study stock market history, one thing is clear: The people who stay in the game despite all of the noise get rewarded with higher returns over time.
The problem is most people don't see that because they're trying to get rich tomorrow.
For example, the S&P 500 is up 145% in the last 5 years:
But here's what you had to deal with to get those returns:
Economic Shutdown
Bank Failures
Political Chaos
Global Conflict
Fed Rate Hikes
The lesson? Short-term chaos is the price you pay for long-term wealth.
Most people want all of the rewards of investing but don’t want to deal with the waiting game.
The dips, the red days, the moments where it feels like you’re doing everything right… but your portfolio says otherwise. That's when most people tap out.
But the ones who stay despite the uncertainty? They’re the ones who actually build real wealth.
Long-term investing isn’t about always feeling good, it's about sticking to a plan even when things get choppy.
The problem is most of us have only been taught how to spend money.
Society conditions us to be mindless consumers, not investors.
So naturally, our need for instant gratification impulses gets hijacked to make us spend more.
But if you bring that consumer / instant gratification mindset to the stock market, you're going to fall for every stock market trap and get burned.
There's a reason why 70% of wealthy families lose their wealth by the 2nd generation and 90% of it by the 3rd generation.
Money alone isn’t enough. If you don’t have the right mindset and insights around money, the wealth won’t just shrink... it’ll vanish.
Baby boomers are estimated to transfer around $124 trillion in assets by 2048, according to Cerulli Associates.
But most people were never taught how to manage wealth.
So when a big check finally hits their account, they’re not ready for it.
They overspend.
They chase whatever’s trending and call it “investing.”
Or they confuse income or having cash alone with wealth.
And just like that, it eventually vanishes.
It’s not because they’re dumb.
It’s because no one ever showed them how to think like an owner instead of a spender.
Or to escape the trap of quick money thinking.
You’re also up against society telling you money doesn’t matter so that you spend your entire life working for it.
That’s the big missing piece.
The harsh money truth is:
- Earning more money won’t help you if you don’t use it to build ownership.
- Inheriting a real estate portfolio won’t help you if you liquidate it all and blow it over the next 4 years.
- Getting a multi-million dollar trust fund won’t help you if you treat it like a lottery jackpot instead of an investment engine.
The game changes when you use money as a tool. Not as a free pass to spend recklessly.
The same thing applies when it comes to investing.
If you don’t shift how you view the markets, it’s easy to fall into the same traps… just with a brokerage account instead of a checking account.
Investing in the stock market get's easier when you start viewing it as a tool rather than a casino.
Shifting from a saver to an investor means rethinking how you measure progress.
Investing progress isn't perfectly linear like saving progress is.
You have to see the market through a growth mindset or investing will always feel like too much of a risk rather than an opportunity.
Growth in life is never linear. Think of your career, business, or even relationships.
There is always going to be moments that shake your confidence.
But by pushing past those moments and learning from them, you become stronger and capable of growing to higher levels.
That's the same way the economy and the stock market grow too. Just on a much bigger scale.
It's exactly why if you're under 50, your main goal should be stacking up as many quality assets as humanly possible and hold onto them for as long as possible. Ideally decades.
The fewer times you hit that “sell” button, the more assets you own and the richer you’ll get.
And that shift?
It really starts showing up during market dips when panic and fear hits the markets.
Everyone LOVES sales until it comes to the stock market, where they start running for the exits the minute stocks turn red.
But stock market crashes are simply sales for smart investors.
The lower quality stocks go, the more opportunity you have to continue to buy quality companies at a discount.
Embrace them.
Because the biggest risk in life isn't in the stock market. It's never taking risks and trying to play it safe forever.
The real win isn’t just investing once. It’s making it a habit.
A system that runs in the background no matter what the market’s doing.
Think about this:
Saving $650 per month for 15 years would get you to $117,000.
But investing $650 per month for 15 years would get you to $258,992.
Saving builds stability.
But investing is what builds freedom.
The numbers speak for themselves.
Money sitting still does nothing. Money invested builds freedom.
A good number to aim for is investing 20% of your income.
You might not be able to do that right now, but it can at least be a goal to aim for.
The sooner you get in the habit of putting a portion of your income to work for your future, the better off you'll be.
For example...
And the rest?
That’s your "enjoy life" money.
Go enjoy it guilt-free knowing you're still building your future.
One last thing: The people winning in the markets aren’t just throwing money at stocks. and hoping for the best. They’re organized.
When a market dip happens, they already know their next move.
They aren’t scrambling. They aren’t emotional.
This is why getting organized and leveling up your money skills is so important.
Because half-assing your money game means half-assing your future.
I'll leave you with this list. If you can invest the time to understand these 10 investing concepts, you'll be ahead of 90% of people:
- Compounded growth
- Market cycles
- Investor psychology
- Odds of timing the market
- The "this time its different" trap
- Creating an investment thesis
- The 4% rule
- ETFs / Index funds
- Average annual return in the market
- Investing with strategy vs emotion
- What missing the 10 best days over the next 20 years will do to your returns.
If you want to learn how to build a long-term investing system you can actually stick to (without second-guessing yourself) join my Money Mastery program.
