You want to change your life fast? Then trade your expectation for appreciation; you’ll have a whole new life. - Tony Robbins

Ray revealed a simple system of what to invest in and in what percentages and amounts. And when we looked back in history, we found that by using his strategy, you would have made money 85% of the time over the last 30 years (1984 through 2013)! That’s only four losing years in the last 30 years (1984 through 2013) — with a maximum loss of 3.93% in a year (and an average negative year of just 1.9%). And one of those four down years was just 0.03%, which most would chalk up to a breakeven. In 2008 you would have been down just 3.93% when the rest of the market lost 51% (from peak to trough) — all by just doing what Ray has shared with us. The plan he shared here has averaged a return of just under 10% per year (net of fees), and it’s an investment plan that you can easily set up for yourself!

No matter how long a wall has stood, none has the power to withstand the continued force of human beings who have decided to persist until it has fallen. The human spirit truly is unconquerable.

I think one of the greatest gifts our Creator has given us is the gift of anticipation and suspense. How boring life would be if we knew how it would all turn out in advance! The truth is that in life, we never know what’s going to happen next! In the next few moments, something could happen that could change the entire direction and quality of your life in an instant. We must learn to love change, for it is the only thing that is certain.