"Miss the 10 Best Days" Is Half of a Calculation
The statistic every advisor quotes is real. So is the mirror image nobody quotes — and when a researcher ran both at once, the result was not the one the slogan implies.
Renting is not throwing money away, but the real argument is stranger
Housing’s celebrated 7% return is almost all rental yield. Real capital gains run about 1% a year — and the variable that decides the answer is whether you actually invest the difference.
The latte factor gets the arithmetic right and the mechanism wrong
His sum checks out to the dollar. But 85% of people are passive savers who ignore price incentives, and financial education explains 0.1% of the variance in behaviour.























