There’s an old saying that gets thrown around at graduation speeches and in country songs: “Money won’t buy you happiness.” It’s catchy. It’s simple. And it’s incomplete.

I see many people going crazy over intraday swings up or down. That’s totally fine, if you’re a day trader. You may not want to be, though, as most estimates show 90-97% lose money.

Financial planning isn’t about looking backward — it’s about preparing forward. And the forces that powered the S&P 500 over the last few decades may not look the same in the next few.