The phrase “buy and hold” sounds simple—until life intervenes. Joe and Julia Valenzuela revisit the emotional scars left by market crashes and why passive investing can feel different once retirement nears. Using real‑world scenarios, they discuss risk, taxes, income needs, and why reacting emotionally to markets can create long‑term consequences. The episode reframes investing through the lens of planning, adaptability, and lessons learned from past downturns.

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