Ep 88: What 100 Years of Market Data Tells Us

Is it too late to invest when the market hits all-time highs?
That's the question everybody is asking, and the truth will surprise you.

This episode breaks down exactly why trying to "time the market" is one of the most expensive mistakes you can make, and why long-term, consistent investing still outperforms every prediction, headline, and emotion you have.

I walk you through the data, not opinions:
• Fidelity's study showing the best investors were people who did nothing
• How missing just a handful of the best market days destroys your returns
• Why staying invested, even at all-time highs, creates far more wealth than waiting for crashes
• How students are growing $90K… $140K… even $240K in net worth using a simple, repeatable system
• And the psychological trap that keeps most people broke, even when they earn good money

This isn't theory. This isn't hype.
This is the real, proven, boring-but-powerful strategy that builds wealth every single time.

Episode Timeline & Highlights

[0:00] – Why "all-time highs" scare people
[2:15] – Emotion vs. data (and why one always loses)
[4:40] – The student results you can't ignore
[7:30] – Market timing: the most expensive mistake you can make
[10:55] – The Fidelity study that shocked everyone
[13:10] – Missing the best days: how it kills your returns
[16:20] – The $300,000 growth example (data only)
[19:45] – Why simple investing beats complicated strategies
[22:10] – Final truth: wealth is built by staying in the game

Key Takeaways 💡

• Market timing destroys more wealth than market crashes
• The best returns go to people who stay invested consistently
• Simple, automated investing beats emotional decision-making
• Data > predictions, always
• You don't need complexity to build real wealth
• All-time highs are not a reason to pause—they're a reason to keep going

Quotables 🗣️

"Trying to time the market isn't strategy—it's gambling with your life savings."
"Missing five of the best days can erase decades of smart decisions."
"Consistency builds wealth. Emotion destroys it."

Links & Resources

Learn more about Budgetdog Academy: https://budgetdog.com
My book, The Roadmap to Financial Freedom: https://budgetdogacademy.com/order-now
Follow me on Instagram: https://instagram.com/budgetdog

If this episode gave you clarity, share it with someone who's stuck waiting for "the perfect moment" to invest. There is no perfect moment, only a perfect strategy. 🎯