Welcome to this week’s episode of the Money and Investing Show with your host Andrew Baxter and co-host Mitch.

This week, we take a closer look at one of the most common patterns in investing—why 80% of people lose money and only 20% build real wealth. What’s behind the gap? It’s not luck. It’s mindset, emotional control, and having a proper plan.

We break down the habits that keep most investors stuck and the small but powerful actions the top 20% take to stay ahead. From being influenced by media noise to letting fear or FOMO drive decisions, this episode calls out the emotional traps that derail progress.

Andrew and Mitch also share personal stories—some costly mistakes and lessons from decades in the market. If you’ve ever hesitated on an investment, made a decision out of emotion, or just don’t know where to start, this one’s for you.

We talk risk management, long-term thinking, and why having a written financial plan can be a game-changer. More importantly, we highlight the mindset shift that helps everyday investors take action—without getting caught up in hype or hesitation.

Tune in to get practical ideas that can help shape your financial future.

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