It's been said that there are only two pains in life, the pain of discipline or the pain of regret, and that discipline weighs ounces while regret we… - Tony Robbins

We know we can’t sit on the sidelines, on the edge of the riverbank, because inflation will destroy us if we just sit on our cash. So, alongside our neighbors and colleagues, we journey down to the water with trepidation, and when we least expect it: chomp!

Often it’s frustration, anger, or stress that triggers a breakthrough. We hit our threshold: a point where we say, “Never again and no more.

The real payoff of asset allocation comes when you figure out the right mix of how much of your money you keep safe and how much you’re willing to risk to get greater rewards and have the potential to grow faster.