What Average Returns Can Actually Do (If You Let Them)

This entry is part 12 of 14 in the series Seeds of Wealth.

Most people think investing is about chasing big wins. Finding “the next Apple.” Timing the market just right. Making that one move that puts you on a beach somewhere with a cocktail and no emails. But here’s what the numbers say: Most investors underperform the market—by a lot—because they’re too busy reacting to it. Meanwhile, the people who just sit tight and ride the average? They often win by default. The lesson? Average returns are…

The Hidden Risk in the Trades: Why We Need Stable Skilled Trades Businesses

This entry is part 1 of 4 in the series Building Trades That Last.

We often talk about the skilled labor shortage—but there’s a quieter, equally urgent issue hiding in plain sight: the instability of trades businesses themselves. Electricians, HVAC technicians, plumbers, contractors, and other skilled professionals are in high demand. But too many of their businesses fail within the first few years. When they do, the fallout extends far beyond the owner. It impacts job security, local economies, and the public’s trust in trades. If we want to…