The calendar changed, but the mission didn’t. This is where most traders either rush to “make something happen” or quietly lock back into their process. The second group wins. Right now, the edge isn’t aggression. It’s restraint. Let the market show its hand. Let your rules guide you. There’s no prize for trading early or trading often. The prize goes to those who stay disciplined while others force it. Use this time to settle in. Get comfortable with your plan again. Shake off the noise, the expectations, and the pressure to perform. Execution comes from clarity, not urgency. Every good trading year is built the same way. Clean setups. Controlled risk. Emotional consistency. Repetition. Nothing flashy. Nothing rushed. 🚀 Stay patient. Stay selective. Let the year unfold while you focus on doing the right things, one trade at a time. — Coach Stephen

The Year in One Sentence… “2025 was the year markets rewarded adaptability — and punished anyone who assumed the old playbook still worked.” If you were flexible, selective, and patient → you probably did well. If you chased narratives without respecting price → the market reminded you who’s in charge. ✅ 2025 Market Recap (The Big Picture) Stocks - Large-cap tech and AI-linked names dominated headlines again — but this year came with more pullbacks, more skepticism, and more “prove it” moments. - Indexes finished strong overall, but returns were uneven. A few names did the heavy lifting. Many stocks went nowhere. 💡 Key lesson: Indexes going up ≠ most people making money. Crypto - Bitcoin spent much of the year consolidating, frustrating both bulls and bears. - Institutional interest quietly increased, even while price action stayed boring. 💡Key lesson: Boring accumulation phases are where future volatility is born. ✅ What Actually Mattered in 2025 (Not the Noise) 🤖 AI Grew Up 2025 was the year AI stopped being a buzzword and started being a business conversation. Markets moved from “AI will change everything” to: ➡️ Who’s profitable? Who’s spending too much? Who actually wins? Why this matters: The easy money phase is over. The selective money phase has begun. 🏦 The Fed Lost Its Scare Power Rates still mattered — but they didn’t dominate every single week like prior years. Markets learned to live with uncertainty instead of waiting for perfect clarity. Why this matters: The market doesn’t need certainty to move. It needs direction. 💰 Liquidity Was the Real Driver When liquidity expanded → risk assets breathed. When liquidity tightened → volatility snapped back fast. Why this matters: Narratives follow liquidity. Always. ✅ The Biggest Mistakes Traders Made in 2025 ❌ Overtrading chop So many accounts died not from big losses — but from death by boredom. ❌ Confusing conviction with stubbornness Holding losers “because the thesis is right” was expensive.

"What to Know About Trump Accounts Going Into 2026" This Monday Money Tips is best read in the Classroom (click HERE). Feel free to leave your questions and comments below.

December isn’t just the end of the year. It’s the foundation for the trader you become next. This is the month where discipline matters more than PnL. The market is thinner, emotions run higher, and the temptation to force trades creeps in. How you show up now sets the tone for January. 👉 Sloppy habits now turn into bad momentum later. 👉 Clean execution now builds confidence for the new year. 👉 Patience now creates clarity when opportunities return. You don’t need a massive win this month. You need consistency, restraint, and honesty with yourself. Protect your capital. Protect your mindset. Finish the year trading like someone who plans to be here for a long time. Remember, your PnL will reset in January. Your discipline will not. The reps you put in this month compound into next year’s edge. 🚀 End this year proud of how you traded, not how much you made. Stack good decisions now so next year starts strong and steady. — Coach Stephen

To our very own Coach @Stephen Gerald Onyia! From student to mentor, and an awesome member of our community!