Of course, sitting tight is a challenge for this generation! As a society, we’re wired for instant rewards, and waiting for the assets in our Security Bucket to increase in value can initially feel like watching grass grow. And that’s why we get tempted into putting too much of our money into the next bucket, Risk/Growth.

"Many people say, "Well, I'd love to make a decision like that, but I'm not sure how I could change my life." They're paralyzed by the fear that they don't know exactly how to turn their dreams
into reality. And as a result, they never make the decisions that could make their lives into the masterpieces they deserve to be. I'm here to tell you that it's not important initially to know how
you're going to create a result. What's important is to decide you will find a way, no matter what."

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Some call it luck, coincidence, fate, or God’s hand. I call it grace: the acknowledgment that there’s more in this world than just ourselves, and that perhaps a higher power gives us both the privilege of this life as well as the gifts of insight and guidance when we’re open to them. It’s amazing how, when you take care of the first two steps, God or the universe or grace — whatever you like to call it — tends to step in and support what you’re doing. Things flow to you when you do your part first. We’ve all experienced the phenomenon of serendipity. Something happens that defies explanation, so we call it a coincidence. We miss a train and meet the person we end up marrying. We fill in for a friend, and it leads us to the job of our dreams. We didn’t figure it out in advance, didn’t earn it — it just happened. To me, that’s grace. And the more you acknowledge and appreciate the grace that’s already in your life, the more you experience the gifts that are beyond what you’ve created.

[...] I just called these other emotions. They weren’t dominant, they weren’t destroying my life. They were just showing up at times. I called that life. No, that’s not life. That’s survival software. That’s an old brain. And I teach my brain what to do.

So we know the four potential seasons, but which type of investment will perform well in each of these environments?” Ray responded by categorizing them into each season. Below is a chart that makes it easy to break down visually.

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When you buy a company, what you’re really buying are its assets. So you’ve got to look at those assets and ask yourself, “Why aren’t they doing as well as they should be?” Fully 90% of the time, the reason is management