How can I improve my ability to adapt to changing markets?

By following this simple yet often misunderstood principle. I’ve been helping my teammates understand and apply it for a decade.

Every asset purchase you make is a money-storage decision.

Guided by this principle, here are some of the asset characteristics I seek:

  • guarantees
  • volatility
  • optionality
  • access
  • equity
  • control
  • cash flow
  • multiple uses
  • IRR

Notice the rate of return is only one of many (and not the most important).

How is every asset purchase decision actually a money-storage decision?

I didn’t give this much thought in my 20s, and it caused me to miss opportunities. Here are 5 examples:

1. Buying some real estate?
You’re making a decision to store capital as equity in the property.

2. Maxing out retirement plans?
You’re storing money inside that plan and are subject to its rules.

3. Purchase a whole life insurance policy?
You’re storing your money as cash value inside the policy.

4. Investing in the stock market or crypto?
Your stored capital is subject to all the market volatility with no guarantees.

5. Not saving or investing in anything?
You’ve decided to store your money in miscellaneous things, lifestyle, or depreciating assets—even worse if you are in massive consumer debt.

Remember that every asset purchase is a money-storage decision.

You will be more resilient and prepared for the future.

Do you have someone on your team helping you with these concepts? If not, please reach out to us at