While the S&P 500 has been flat, the average stock has moved 10.8%. That’s a 99th percentile reading, something we only tend to get in major panics like the crashes of 2000 and 2008.

One of the simplest things in the world to do in financial planning is also one of the most commonly overlooked.

There’s one asset class that drives every other outcome in your life — and most people are dangerously underinvested in it.