long term investing

Putting on Our “Listening Ears”

Listening to one another is a gift that costs nothing but means everything. We know that our time and attention are precious resources, which is why our team here at 228 Main always has our “listening ears” on🙏


Want content like this in your inbox each week? Leave your email here.

Could a Green Thumb Make You Some Green?

Friends, we often talk about “making the most of it.” To us, this sentiment is all about working with what we have and starting where we are. It’s an outlook of abundance rather than deprivation—focusing on what we do have instead of what we don’t.

But for some of us, it’s hard to avoid falling into a pattern of maximizing what we have. Maybe it’s trying to squeeze just one more task into the end of the day. Maybe it’s feeling like we should power through email while we’re trying to exercise. In some circles, it’s assumed that we’re all “hustling” and “grinding,” getting everything we can out of every minute.

After all, “You have as many hours in a day as Beyoncé!”

Maximizing may sound like a type of “making the most of it,” but it has serious limits. Having 24 hours in a day does not mean having 24 to be at work, or 24 hours focus on a single project, or 24 hours to get a whole month’s worth of exercise done in one go.

Humans don’t work like that, and time doesn’t work like that. (And not all of us have the resources of a megastar who has won more Grammys than any other singer in the world.) We aren’t robots. We aren’t machines. We’re living creatures. We need food, air, and sleep.

It’s not that we shouldn’t work hard, but we wonder if we need some more sustainable ways of thinking about our work and our time. Author Laura Vanderkam talks about time management as “becoming your life’s master gardener.” This means “deciding that you are responsible for how you spend your time.”

So what do we do with what we have in this world? We can nurture it, dividing our attention between the demands of the moment and some hopes for the future. We can honor its seasons. Like a garden, life has its fallow times. Rest isn’t “unproductive”: quite the opposite, it’s time invested in rebuilding for the future.

And each project, each endeavor, takes what it takes. Sometimes the results are noticeable right away, but sometimes we ride a few seasons until our patience “pays off.”

So perhaps we could look at investing as an earthy exercise, too. We aren’t trying to squeeze every penny we can from every opportunity: we prefer to pick our spots, work a strategy, and reap what we sow. No grinding, “killing it,” or maximizing.

We’re trying to grow, grow, grow.

Want to talk about this—or anything else? Stop by 228Main.com, online or on Main!


Want content like this in your inbox each week? Leave your email here.

Play the audio version of this post below:

Could a Green Thumb Earn You Some Green? 228Main.com Presents: The Best of Leibman Financial Services

This text is available at https://www.228Main.com/.

In Any Language, There’s One Simple Goal

Hope, optimism, belief, notion… In our line of work, it doesn’t matter how you say it. We’re banking on the idea that, overall, we’ll see more up than down.


Want content like this in your inbox each week? Leave your email here.

We Need What We Need, But We Want What We Want

We’re big fans of making the most of things. But it takes a little perspective to learn how to prioritize our goals. What are our very next needs? What are the wishes that can wait?


Want content like this in your inbox each week? Leave your email here.

When the Price Is Right

Who doesn’t love a bargain? A savvy searcher knows that there’s more than one type of opportunity. What does this mean for our portfolios? More in this week’s video.


Want content like this in your inbox each week? Leave your email here.

Let’s Talk It Out!

Converse, communicate, babble, blather, rant, rave… I love to talk! Preaching to the choir, but it’s worth reminding everyone: I’m here to do this. By choice. More in this aptly-titled video.


Want content like this in your inbox each week? Leave your email here.

It’s All Beginnings, Endings, and Transitions

In Roman mythology, the god Janus had one face looking forward and another looking back. It’s natural in this season to look back, take stock of where we’ve been, and think about the best way forward. That’s what we’re doing at 228 Main.


Want content like this in your inbox each week? Leave your email here.

Selling Out Is a One-Way Ticket

As we know, the markets go up and down. It’s just part of the deal! But sometimes the peaks and drops can get a little intense, so it’s worth revisiting this reality once in a while. 

The most mindful long-term investors are usually less alarmed by the bumps along the way. They know what they’ve got is basically a lifetime pass on a rollercoaster. But it’s the ride to greater potential returns, so they can keep the thrills in perspective. 

What would the alternative be, in our rollercoaster example? If you get spooked on a big drop, there’s no abandoning your seat. “Please keep your hands, arms, feet, and legs inside the vehicle while on this ride,” the announcement cautions. 

It’s best to stay in your seat, your best chance to get to the end of the ride in one piece. 

As long-term investors, we know that we can afford to let each cycle just run its course. Jumping off the ride partway through sets us up for more trouble and more work than it would ever be worth: how would we know when it’s best to jump back on? How do we know that we’ll be able to jump safely? 

We hope this is context enough to allow us to be blunt with you: long-term investing is a ticket for the whole ride, whatever that may mean. 

Selling out? Selling out is a one-way ticket out of our shop. 

Your resources are your business. Where you park your wealth is your decision, completely, and each one of us needs to do what is best for them. 

But we choose to keep at it for those who are thinking about the long haul. We believe it’s the most effective approach to a lifetime of financial wellbeing—and whatever legacy might stretch beyond your lifetime! 

Clients, we strive to communicate our values and intentions clearly. Do you need to clarify anything with us? Call or write, anytime. 


Want content like this in your inbox each week? Leave your email here.

Play the audio version of this post below:

This text is available at https://www.228Main.com/.

The Longevity Discount of Investing

Stability is no bargain. A lump sum invested for 25 or 30 years in a less wiggly portfolio might only grow to half as much as a more effective portfolio that embraces that longer time horizon. The longer we can tolerate volatility, the better off we may be.


Want content like this in your inbox each week? Leave your email here.

It Goes Up and Down: Some Questions for a Moment Like This

graphic shows "up" and "down" on a chalkboard with checkmarks next to them

The history of the stock market can be summed up pretty well: it goes up and down. As for the future, we cannot know for certain whether it will continue to go up and down—or on what schedule—but it seems reasonable to take the liberty of guessing this whole “up and down” thing may persist.

When things are down 20% from their most recent peak, and we recognize it goes up and down, this may well be as good a time as any to invest.

We might have a recession, but current lower prices already reflect a lower outlook. You could say sentiment is already in the mix, already baked into prices. And anyway, where there’s a recession, there’s surely a recovery to follow.

Do we know the timing? Nope. But we never do. (That’s where the whole up-down thing comes back into focus.)

There is much we do not know, but we have faith that perhaps our guesses may be good enough to get by. We believe, for example, that in the future there is money to be made by companies that meet our needs. We have a hunch we will continue to eat, shop, entertain ourselves, wear clothes, go places, communicate, create, and do all those other things humans tend to do. And we have an opportunity now to invest in companies that could provide those things then.

Clients, some things to consider at such a moment as this:

  • Is there room to start or add to a Roth or IRA?
  • Should some funds in a stable-but-stagnant form perhaps be invested for long-term growth?
  • Would a Roth conversion make sense given these lower prices?

It goes up and down. And when we invest for the long run, we commit to the ups and the downs both. One never knows when the trend will change, just that it very well may.

If it’s time for you to add to long-term holdings, please email us or call the shop—anytime.


Want content like this in your inbox each week? Leave your email here.

Play the audio version of this post below:

It Goes Up and Down: Some Questions for a Moment Like This 228Main.com Presents: The Best of Leibman Financial Services

This text is available at https://www.228Main.com/.