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Winter can affect more than your mood. It can affect how you see risk, money, and the market. Today, Dennis is talking about why the “winter blues” can make financial decisions feel harder, and how to stay steady when emotions are running low. Winter doesn’t last forever. Neither do emotional seasons in investing. Staying grounded, consistent, and connected to a plan can help you move through the colder months with confidence.

 Here’s some of what we discuss in this episode:

❄️ Winter Weather Impact: Mood shifts affect risk perception

🧠 Emotional Influence: Seasonal lows amplify money stress

📉 Market Volatility: Fear feels heavier in winter

🔄 Routines & Structure: Guardrails protect decisions

📅 Planning Tips: Reset goals and revisit strategy

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