Hello all, I was too optimistic and I’ve been lazing about in Palm Beach with the kiddos taking a much needed relaxi taxi (but not from the market though - it’s been 🔥) so I’m rescheduling our LIVE call for the next 40 Days Journey - 40 Days of Building Strong Riverbanks for next week! See you then! VIP students - the market commentary is coming out tonight - we had a 6am flight yesterday and I was still recovering.

Clarity is the foundation of change. Your numbers tell a story. Your investments, debt, spending, income - it’s just feedback. When you understand the story your numbers are telling you, you now have the power to write a new story.

The goal of today is to Move from regret → awareness → responsibility. Every dollar spent, financial decision made has 2 costs: the direct cash portion, and what could’ve been happened/been spent on. I consider opportunity cost as an invisible price tag attached to every choice we make. Everyone focuses on what was spent but smart investor also consider the opportunity cost. So I want you to think today: What financial opportunities did I miss because of past spending, debt, procrastination, or avoidance? (Or whatever habits you want to shift) I don’t want you to shame or guilt yourself. I want you to think of it this way: - The past was tuition. - Every mistake paid for an education. - Every financial setback taught a lesson. - The goal is not to recover the past. - The goal is to stop paying for the same lesson twice. It’s only with awareness do we have the power to change. I want you to summon up the courage today to look at the opportunity cost of your past financial decisions.

What’s changed in your financial life in the past 40 days? Or 100 days if you’ve been with me that long? Look beyond the numbers - is it more clarity on debt? Spending habits? Do you have new commitments you’re making to yourself? Do you have a financial plan now? New goals? Let’s hear it and cheer each other on!

How do we get in to the Pillars of Investing call? I cant see a link..?