Philosophy, mindset, behavior, habits, thoughts…this is the stuff that matters most. How you behave determines how your future plays out. After all our thoughts become our actions and our actions become our life. This page provides some of my ideas, rules and thoughts around money.
Together, we are growing and protecting your wealth.
How to Allocate
In this video I’ll show you how to allocate your portfolio into the 4 Fearless Wealth Strategies. Learn about the first steps to take and how and when to allocate your money.
Additional In depth STRATEGY Videos
Would you like to know how each strategy works? I have put together a set of training videos that will walk you through how, why, where and when they work. You will understand why people use and love them. You will also understand why they will give you an unfair advantages over other investors even professionals. Just go ahead and follow the link and you will be able to easily navigate all
Here is a list of all of your rights, we will talk a little about what those rights are and what you will get being part of this club. You have the right to have more securityand freedom in your future and present moment. Specifically, I believe...
You have the right to objective, unbiased information and guidance about what is happening in the markets.
You have the right to ask questions and be listened to.
You have the right to protect and grow your money in any economic condition.
You have the right to have access to cutting edge education and information about your money.
You have the right to be wrong while still growing your money.
The Rules of Money
We start with the truth = results never lie. If your results are bad. If your results are hurting you. If your results are unknown... ...Then start with your past results so we (you) know where you are. Most people don’t know what their actual results are. And then they approach me and say, I want to grow my money 20% a year. My first question is almost always, what have you been growing your money at? I usually get a stare. Dear reader, if you don’t know where you are then it is going to be much harder to get to where you want to be. First find out your results of the past one, five, ten, twenty years. What are your real results? And then we can start moving in the direction you want. If you look on the Start Here section of this site you will see some steps you can take to get clear about where you are right now. My philosophy to Money, Investing and purchasing power: When reading them, notice how you react to each one.
Buy investments that are already doing what you want them to do. And prepare for the day that they stop doing what you want them to do. This is so obvious and yet so hard to do for so many people. The best way to grow your money in the future is to look at what is growing today. This means no predicting. No timing. No hoping.
Focusing on what is already going up doesn't imply ignoring the past or failing to consider what happens in the future. It simply means to buy investments that are already doing what you want them to do. When you do this you are lowering your risk and increasing your reward. Without having to work harder.
Never make forecasts or answer questions like "where do you think the stock market will be in 12 months?" The answer in many ways does not matter. We avoid forecasts, very simply, because they are not required. And often times they can hinder a person’s results.
Think of it this way, imagine if you hop into a sailboat and start across Lake Michigan, it is not particularly helpful to make predictions about the direction and speed of the wind over your entire journey. Much better to align your sails as those conditions change, making numerous modest errors, but getting across the lake safely.
Present moment adjustments. Work with what is already happening not what you hope to happen. Sound investment advice does not require forecasts. It is enough to align the investment position with the observable price movement and direction. Just like with sailing. Align the sails with the wind.
Price Action Trumps Everything. This is a bit of tag along with point number one. But I wanted to talk about it separately. I put price action above everything. Because as obvious as it sounds the only way someone is going to grow their money in the stock market is if what they're in is going up in price. This seems so obvious and yet so few people actually use price action to grow their money.
The strongest human instinct is to stay alive. And not growing money. This leads me to believe that humans are not good at growing money. Growing money unlike earning money has had no place in the evolution of humans.
Focus on what is best for your money. And not on what feels best to you and you will soon be growing your money like the weeds in your grandma’s garden. Most people think they know money, but they don’t. Money is not human. Money is not the feeling you have about it in the depths of your gut. Money doesn’t care about you. It doesn’t care if you are tall or short, if you went to Harvard or a community college.
Money is agnostic. Money instantly gravitates toward anyone that treats it well. When people invest on what’s best for money they get more of it. When people don’t they lose money. Please remember dear reader that I am talking about money. Not humans. In the world of money there is no stance called, ‘fair’. Money doesn’t do fair. It just does money. That means there isn’t fair or unfair. There is just money and the laws that money goes by.
Humans are designed to focus on fair and balanced. To focus on what feels right. What seems best. What investments feel like they are the safest. When people focus on fair or balanced they lose sight of what is best for money. Here’s the best part or perhaps the craziest part.
You can immediately implement an investment strategy that is based on (1) results and (2) what is best for your money AND grow your money with much less work and with less stress. You just have to be willing to let it happen. I will show you how.
Wall Street can't help. Wall Street is in the business of making Wall Street rich, if you are going to ‘win’ at investing you are going to have to get objective, independent advice. Let me be as delicate as I can be about this point. Wall Street sells products that produce money for them. These products are all designed to keep you in the market whether the market is going up over long periods of time.
Wall Street chants, ‘buy and hold’ because that is what’s in their best interest. 100% of Wall Street firms are run by people that have mortgages and needs. Just like you. And they have figured out a way that they can make money even when you don’t. I consider anyone that sells a financial product to be a Wall Street person. Anyone who sells mutual funds, stocks, bonds, life insurance, annuities, and assets under management.
Don’t reinvent the wheel. Growing and protecting your money is straightforward and clear when you follow a proven method. And the more someone follows an investment strategy that has been tested through the decades and that works in both up and down markets, the more they are going to protect and grow their money.
You don’t have to love investing. But just like health, it cannot be out sourced.
Washington DC can’t help. A politicians job is singular. Get reelected. Making
people happy is what gets the politicians reelected. This means short-term fixes between election cycles.
There are no new eras. Excesses are never permanent. Whatever the latest hot sector is, it eventually overheats, mean reverts, and then overshoots. Look at how far the emerging markets and BRIC nations ran over the six years prior to the crisis, only to plunge by more than 60%.
The public buys the most at the top and the least at the bottom. That’s why contrarian-minded investors can make good money if they follow the sentiment indicators and have good timing.
If you are reading about it in the News, it no longer matters and has already been priced into the market.
The market is forward looking. The market looks forward three to six months...maybe even more. So whatever the market is reacting to it is not today's employment report or latest indicator.
Together, we are growing and protecting your wealth,