With serious planning and determination, many of us are gearing up for the next round of New Year’s resolutions. The change in the year will be the time we finally lose weight, or drink less, or exercise more, or wake up at 4 a.m. like those social media productivity thought-leading rockstars do!

As for me, I will not have a New Year’s resolution. I won’t be hustling to be the oldest participant in the hardest 5k in the state in 2026. I will not be striving to achieve or maintain a specific weight. I will not be avoiding or including certain foods in my diet. No resolutions. Not one.

Many of you have heard me say that I’m planning to work to age 92. Will any New Year’s resolution make that happen? There’s nothing magical about December 31 (except perhaps some fireworks at midnight!). I don’t measure my health by a calendar.

Instead, I measure my efforts every single day.

When you really think about it, doesn’t wealth work the same way? Even though we measure markets on an annual basis, that’s really just a long-held standard for consistency. You may have heard that in 2025, the stock market (as measured by the S&P 500) was up 12% for the year, January to December. But we have the tools to calculate the return for whatever 365 consecutive days you’re interested in. We can look at the results birthday to birthday, or any other range we’d like.

The process of becoming financially independent—of gaining the option to live on your wealth instead of your labor—uses essentially the same process as my health goals. Steady decisions, over time.

And we’re here to help anybody navigate the process. We try to offer guidance in your journey through the economic ups and downs, the noise of market pundits both on business channels and at the café. To focus on your financial health overall, instead of some calendar-year resolution.

Just like my health goals don’t change when I buy a new calendar, my wealth goals don’t need to either.

Clients, don’t think we are against all New Year’s resolutions. There’s actually one I highly recommend: in 2026, help someone learn what’s going on here at 228 Main in beautiful downtown Louisville. I know I’ll try to stick to that one too.

Thank you all, for everything.

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Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

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Play the audio version of this post below:

With serious planning and determination, many of us are gearing up for the next round of New Year’s resolutions. The change in the year will be the time we finally lose weight, or drink less, or exercise more, or wake up at 4 a.m. like those social media productivity thought-leading rockstars do!

As for me, I will not have a New Year’s resolution. I won’t be hustling to be the oldest participant in the hardest 5k in the state in 2026. I will not be striving to achieve or maintain a specific weight. I will not be avoiding or including certain foods in my diet. No resolutions. Not one.

Many of you have heard me say that I’m planning to work to age 92. Will any New Year’s resolution make that happen? There’s nothing magical about December 31 (except perhaps some fireworks at midnight!). I don’t measure my health by a calendar.

Instead, I measure my efforts every single day.

When you really think about it, doesn’t wealth work the same way? Even though we measure markets on an annual basis, that’s really just a long-held standard for consistency. You may have heard that in 2025, the stock market (as measured by the S&P 500) was up 12% for the year, January to December. But we have the tools to calculate the return for whatever 365 consecutive days you’re interested in. We can look at the results birthday to birthday, or any other range we’d like.

The process of becoming financially independent—of gaining the option to live on your wealth instead of your labor—uses essentially the same process as my health goals. Steady decisions, over time.

And we’re here to help anybody navigate the process. We try to offer guidance in your journey through the economic ups and downs, the noise of market pundits both on business channels and at the café. To focus on your financial health overall, instead of some calendar-year resolution.

Just like my health goals don’t change when I buy a new calendar, my wealth goals don’t need to either.

Clients, don’t think we are against all New Year’s resolutions. There’s actually one I highly recommend: in 2026, help someone learn what’s going on here at 228 Main in beautiful downtown Louisville. I know I’ll try to stick to that one too.

Thank you all, for everything.

---

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

---

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

Play the audio version of this post below: