Investment is not a sprint, nor is it a marathon; it's rock climbing.

The key is not to see who climbs faster, but to make sure each step is solid, to firmly plant your footing, and to avoid falling to your death.

If you're not preparing for retirement, this climb will never end, and you could fall back to the bottom at any moment due to a major mistake.

That's also why I once said that being scammed and going bankrupt should be dealt with early.

Just starting to learn rock climbing, falling more times from lower positions is not a bad thing. ​​​