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“It doesn’t matter how slowly you go as long as you do not stop.“ -Confucius

A little over a week ago, I watched with sadness as newscasters gleefully announced that January 9, 2026, had been proclaimed the unofficial “Quitter’s Day” for this year. Newscasters proclaimed January 9, 2026, as the day that most New Year’s resolutions have already been abandoned.

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We are convinced that the average investor cannot deal successfully with price movements by endeavoring to forecast them. -Benjamin Graham

Late in 2025, I stated I would devote a blog and podcast to dollar-cost averaging. I feel that dollar-cost averaging is one of the two most important strategies that do-it-yourself investors can implement. 

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Raising and educating children is not easy. Kids don’t come with instruction books! Parenting information is not standardized. With kids, one size fits one, not one size fits all!

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Join Kevin Lyles, CRPC™ and myself as we discuss the merits of active management and passive investing. In this episode Kevin critiques my decision to engage an advisory firm to manage a portion of my assets and my reasons for this decision.

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Looking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago.

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The end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going!

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Merry Christmas and Happy Holidays for 2025

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“Money doesn’t change men, it merely unmasks them.” -Henry Ford

Several years ago, my wife and I decided we would not wait until we were deceased, but would instead provide financial gifts to our children while we were still alive. This outlines the concept of giving with warm hands versus giving with cold hands.

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It's not easy to create a mindset that embraces saving versus spending.

The pathway to saving money can be very convoluted due to a combination of psychological, economic, and practical barriers. 

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“Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas."

For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight.

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