Overconfidence and Optionality Paralysis. Some of the biggest financial mistakes I’ve seen weren’t made by people who didn’t know better. They were made by people who were very successful.

Many of our clients genuinely love the markets. They watch financial media. They follow earnings. They debate the Fed. They text me about stocks they’re excited about. Frankly, I like that.

Most financial plans don’t break because of bad math. They break because of fear.