I was 15 and had just stepped out of the shower. I was (what I thought was tightly) wrapped in a big beach towel. My brother was 18 and on a ladder in the hallway, pulling down Christmas decorations. He asked to hand some boxes down to me so he only had to walk down the ladder once. I reached upward, took two boxes of decorations and then took a third as he descended the ladder. Before I could set the last one down, my brother as stupid as he was, tried walking down the ladder facing forward with stuff in his hands. Suddenly, wham! He tripped and the ladder hit me right on the side of my head. I reached up to try and help and “zip” the towel fell down and he came down on his butt. I was hurt and bleeding from my scalp so that was my focus.
Be very disciplined. This is easier said than done. I have lost count of the number of people that claim they won’t try to time markets, or will not panic if “2008 happens again”, only to panic in 2020! The statistics are clear. Those that invest for themselves, often get 2%-5% less than the SAME index they invest in! The reasons are simple. They try to time when to get into the index. In middle school, I was oblivious to any kind of attention, especially “checking me out” at all. I was a tall, skinny kid in my mid-teens and I kept growing through several months when it was expensive to update my wardrobe. I ended up wearing a lot of clothes that were a little too small or tight.