JL COLLINS

The market always recovers. Always. If it doesn't, no investment strategy will save you anyway — because civilization has ended.

F-you money is the most important financial concept nobody talks about. It is enough money to say no to anything you don't want to do.

When I sold during a market drop in the 1980s, I crystallized a loss and then watched the recovery happen without me. I never made that mistake again.

Money is a tool. Financial independence is a goal. Once you have enough money to not work, work becomes a choice. That changes everything.

Buy VTSAX. Hold it forever. Don't panic when it drops. That is the entire strategy. It is boring because it works.

Complexity in investing is almost always sold to you, not created by you. The more complex the product, the more someone is taking from you.