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14d • General discussion
💰 Monday Money Memo - 2025 Review
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.
❌ Ignoring time as a resource
Burnout became a bigger enemy than bad trades.
✅ What Worked in 2025 (Quietly, Consistently)
✅ Selectivity
Fewer trades. Better locations. Clear invalidation.
✅ Risk management > prediction
The traders who survived didn’t guess better — they lost smaller.
✅ Systems (human + AI)
Those who combined rules, automation, and decision filters outperformed those trading purely on emotion.
✅ The Freedom Takeaway (This Is the Whole Point)
2025 reminded us of something important:
Money is not the goal. Choice is.
The real flex isn’t a green week.
It’s:
- Not needing to force trades
- Being able to step away
- Having options when the world shifts (because it always does)
Day trading, investing, and AI aren’t the destination — they’re tools.
Tools to buy back time, flexibility, and experiences before you’re old and grey.
✅ Looking Ahead to 2026 (One Thought to Carry With You)
If you want to get ahead in a world that’s constantly changing, you need to profit from the changes — not fight them.
That means:
- Less prediction
- More preparation
- Fewer opinions
- Better systems
✅ Final Thought…
2025 wasn’t easy.
But it was fair.
And fair markets reward the people willing to adapt.
Here’s to starting 2026 clear-headed, funded, and focused on what actually matters.
— Kyle 🥂
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💰 Monday Money Memo - 2025 Review
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Day Trading helped me create my dream lifestyle. This group is dedicated to help you do the same by giving you the roadmap that helped get me here.
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