Why this matters
Most people don’t fail because they picked the “wrong ETF.” They fail because they break their plan when they’re emotional — fear, impatience, or overconfidence.
The four silent killers
- Lifestyle creep: raises vanish into upgrades
- Headline trading: reacting to news cycles
- Complexity addiction: strategies you can’t sustain
- No safety buffer: forced selling when life happens
Calm rule: Make decisions on a schedule — not during a storm.
Adopt rules (example)
1) I invest automatically every paycheck.
2) I don't change allocation based on headlines.
3) I rebalance on a schedule.
4) I increase my savings rate when income rises.
5) I keep my emergency fund intact.
Rewards are allowed (but keep them proportional)
We’re pro-joy and pro-durability. Celebrate progress — just don’t finance celebrations with debt.