Ian Higgins

RLI Corp. $RLI trading ~40% off all time highs. How does $RLI look when compared to peers and sector averages? With insurance, lower is better when it comes to the Combined Ratio. $RLI is significantly more efficient at underwriting than the sector average of ~94.2 or another high performer like $WRB of ~90.4. $RLI delivers a ~86.0 Combined Ratio. What does this mean? $RLI generates more profit per dollar of premium than almost anyone else in the space. Despite having a low Debt/Equity ratio of 0.06 and excellent underwriting efficiency, $RLI is trading at a ~12.6x Forward P/E. That's an 11% discount to the sector average and 10% lower than it's primary peer $WRB. Historically, $RLI traded at a 16% premium to $WRB. Typically a company with $RLI's balance sheet strength and underwriting discipline warrants trading at a premium. $RLI also secured the AM Best A++ credit rating, which is the highest possible financial strength rating an insurance company can receive. It is the gold standard of creditworthiness.

Accenture $ACN trading ~60% off all time highs. The IT Consultant sector is reacting to AI as a headwind, while Accenture appears to be one of the leaders in the industry to use it as a tailwind instead. Most peers are worrying AI will shrink billable hours. Accenture built an 'Agentic AI Factory' model. The effect? In the most recent quarter, they recorded $22B in bookings (a company record) fueled by clients moving from AI testing to AI full scale deployments. Accenture now has 41 clients with quarterly bookings >$100M. They've already trained 200,000+ employees on Agentic AI, creating a specialized workforce that their current competitors can't match. The stock is priced at ~14x Forward P/E, which is well below their ~21x five year median. You're able to buy a sector leader at a deep discount while it's business actually hits record demand. While current investors wait for the market to realize that AI may actually be accelerating Accenture's growth, they'll receive the 3.71% dividend yield. Management has been approved to deploy $9.3B in buybacks this year, which is nearly 5% of the existing float.

@lucas67261771 Speedy recovery mate

Yesterday, it was just a ride. And then, in the blink of an eye, it became something else entirely, a moment where the line between “I’m fine” and “everything changes forever” was thinner than you ever imagined. The kind of moment that humbles you, that shakes something deep inside, that reminds you how close loss can stand without ever announcing itself. I’m very lucky I have one of the biggest,strongest, heaviest moto in the market and I avoided losing my leg thanks to the protections bars that the moto has 🙏 Deutsch Qualitat 🙏 That accident was quite bad, a crazy driver drove on me, being totally distracted … I must have a guardian angel I guess, I will be fine despite the violence of the shock. The ordinary becomes precious. The small things feel louder, more alive. You understand, not intellectually but deeply, that being here is not something to take lightly. It’s not just about how fast things can go wrong. It’s about how suddenly you can be reminded of what truly matters. If you are a rider like me, be extra cautious, I know we hear that every day, but even me, a very experienced rider couldn’t avoid that crash yesterday… Be safe my friends 🙏

Must-read for business-people and entrepreneurs: The Psychology of Persuasion by: Robert B. Cialdini

There’s something uniquely soul-sucking about the kind of person who can look at those who trust them, not just as followers, but as real people with hopes, fears, and dreams and see nothing but a means to an end. It’s not just deception; it’s a complete absence of empathy. Imagine what it takes to wake up every day, engage with people who genuinely admire you, who believe in your words, who see you as someone they can learn from, only to knowingly lead them toward their own loss. To look at the messages from supporters, from people who say, “Thank you, you changed my life,” knowing full well that you’re about to leave them worse off. That level of emotional detachment is disturbing. At first, maybe they feel a twinge of guilt. Maybe they justify it, “Everyone should do their own research,” or “It’s just business.” But over time, those rationalizations harden into something worse: indifference. The more they succeed, the more untouchable they feel. The gap between them and their followers grows, and so does their ability to disconnect from the consequences of their actions. Their victims become numbers on a screen, just profiles with wallets attached. And yet, they continue to smile, to post, to engage as if nothing is happening. They soak up admiration while knowing that, in a few weeks or months, the same people praising them will be left with nothing. They watch messages go from excitement to desperation, people asking what’s happening, if things will recover, if they should hold on. And what do they do? They ignore. They ghost. They block. They move on. Because the truth is, they never saw their followers as people. Just stepping stones to something better. But there’s an irony to all of it. The kind of person who thrives on scamming their own community doesn’t just drain others, they hollow themselves out in the process. There’s no real fulfillment in what they do, no sense of purpose beyond the next payday. They live in constant reinvention, always on the run from their own past. Because deep down, they know, if they ever stop, if they ever sit with what they’ve done, the weight of it might actually catch up to them.

@FfbUnidentified Reading something is better than reading nothing but don't read just motivational books if you don't have the extra knowledge to take action with a much stronger mindset than the average. Read these, blend everything together, take action, and be patient:

Most people don't want to learn. They just want to be given fish. Then they complain. Lmao 🤦‍♂️ #Bitcoin & 🧘‍♂️📚

Most people have no idea what they’re actually getting inside our Telegram. (The Dojo 🔴⚪️) So here’s a clear breakdown of what <$10/month gives you in there: zeroika.com • Main Channel 0⃣ @IamZeroIka shares his highest conviction HTF setups + key market insights & announcements. • Trading Room + General Chat 1⃣ 2⃣ Active community where traders connect, share setups, ask questions, and improve together. • MisterPA Lounge (my side) 3⃣ My personal HTF / MTF setups (+ occasional LTF) – Crypto, stocks, commodities – Live updates on positions – Trade management breakdowns – Educational videos when needed • Fast Tips & Reflections 4⃣ Zero’s frequent updates, including live portfolio insights and quick market reads. • Zero’s IVB Setups (NEW) 5⃣ Focused channel purely on IVB trades. Real setups, real execution → showing how effective this strategy actually is. • The Dojo 2.1 (Notion) 📚 This alone could be a paid product. A full “book of knowledge” with: – Psychology – Technical analysis – Structured learning paths – Simplified video explanations Thousands of hours condensed into one place. • Weekly Livestreams (1 per week) 🎥🍿 – Market breakdowns – Live setups – Trade management – Focus on HTF swing trading (high ROI, low time commitment) It’s: Learning + real execution + community + structure. All for less than $10/month. So if you’re serious about improving and want to actually understand what you’re doing: The price is heavily underpriced right now - take advantage while it lasts. zeroika.com Take a look inside and you’ll immediately see why people stay. 👀

Learning how to trade is a necessity, in my opinion. We live in a society that’s changing at a ruthless pace. A world where traditional jobs, the ones that once guaranteed stability, dignity, and a future, are becoming increasingly fragile. Wages barely grow. Prices explode. The cost of living tightens around your neck. Professions disappear overnight. And in the middle of all this… what do we have left? Work as we knew it is no longer a guarantee. It’s no longer a certainty or a safe “harbor”, It’s an unstable ground that moves beneath your feet, and if you stay still, you get crushed. This is why I consider trading a fundamental skill in the world we live in today. I’m not talking about “get rich quick” fantasies or magical business models. I’m talking about competence, strategy, and modern survival. Trading doesn’t need to be your full-time job. It doesn’t have to consume your life. It doesn’t have to define who you are. But as a secondary skill, as an additional tool, as a backup ability… it becomes incredibly powerful. Why? Because trading gives you freedom. It gives you choice. It gives you an alternative when the job market decides it no longer needs you. It gives you a form of strength that can’t be replaced by an algorithm or erased by a corporate restructuring. Trading is one of the few skills on Earth that is: •hard to replicate •hard to fully automate •hard to take away from you •hard to devalue And, most importantly, it’s a skill that stays with you. It grows with you, it evolves as you evolve. You can carry it anywhere, at any stage of life. In a world where everything is replaceable, delegate-able, and automatable, the ability to understand the markets is one of the few personal “weapons” you have left. It’s not easy and for sure not instant. It’s tough, complex, demanding. And that’s exactly why it’s worth learning. To avoid being wholly at the mercy of a system that changes faster than you can adapt. Today more than ever, having one more skill means having one more option and having one more option means being free. And freedom, today, is the greatest wealth you can have.

Instead of focusing on super tight stops, insane RR, and high leverage while constantly searching for the perfect level and endless refinement, you should build a solid foundation of: • Supply&Demand • Premium&Discount • Market-structure • Accumulation&Distribution • Orderflow&Orderbook • Positionmanagement • Market/Business/Mass Psychology Learn these concepts on a deep level and stay flexible in how you apply them. If it is a textbook formation that hundreds of thousands have already identified, you can assume that, with a bit of imagination, a smart Market Maker would not continue using the exact same formation in the same way. These things never fully change, but they change their face every now and then. If you only follow a rigid step by step rule set without understanding why you trade a certain level, you will eat dust as soon as the market evolves.

I’m probably about to say something that will annoy a lot of people, but when people tell me things like, “you know, I don’t have time to do this,” or “I can’t do it right now,” it honestly makes me laugh. If there’s one thing I’ve learned, it’s that people always make time and space for what they truly want. This applies to anything: studies, personal commitments, relationships, work. If you really want something and you’re willing to go after it, you will always find a way to make the time and pursue your goal. The truth is, there are just a lot of excuses..people procrastinating, people saying, “you know, I have a busy life, I can’t do this, I can’t do that.” These are nothing more than excuses we create because we don’t actually feel like doing something, or we just don’t want it enough. That’s the reality. Honestly, I don’t consider myself a successful person or someone above others at all but I am aware that the state I’m in now, physically, mentally, and financially is definitely better than where I was 5 years ago. And that’s only because I decided to put in the effort. I used to come home from work exhausted and still stay up until 11 p.m., midnight, because I had to study, because I had to push myself and it’s always been like that. Yes, I have a strong work ethic, but the truth is I didn’t look for excuses, I looked for solutions. I made space for what mattered most, I cut out distractions. So when you hear someone in your life say, “I can’t,” or “I don’t have time,” don’t believe them. The truth is, they just don’t want it badly enough, and at the same time, as is only fair, they will never get results.

After two years of being locked in, living in a strange country in one of the most remote places imaginable, it is finally time to open a new chapter. Here Is What I Gained During This Time: Financial Independence: I quadrupled my yearly income by putting in the thousands of hours required to become a profitable trader. I also launched my first online business, simply by putting myself out there despite the discomfort and the fear of judgment. Physical Mastery: Over the last two years, I pushed my body and physical health like never before. I took up skiing and mountaineering, and I approached my stretching and diet with the discipline of a professional athlete for most of the time. While there is still much room for improvement, I am genuinely happy with how far I have already come. Mental Fortitude: By walking through the fire of prolonged isolation, I have built my mindset into an almost unconquerable fortress. In the process, I have become my own best friend, rarely needing validation from the outside world. Intellectual Growth: My intellectual skills have reached an all-time high, sharpened by trading, writing, and the relentless pursuit of useful knowledge. I acquired several high value skills with no financial roof. Spiritual Alignment: While I may have set some spiritual goals aside, the fact that I value and like myself more than ever is a spiritual achievement in its own right. What I Paid For These Achievements: Extreme Isolation: I cut my social life to an absolute minimum. In this environment, distractions don't exist, no bars, no clubs, and no mindless ways to squander my money or brain cells. In two years, I went out partying maybe seven times. In winter i was often cut off from the world by harsh weather, with no easy way to order goods or access the variety of food I was used to. Occasional power or water outages were not out of the ordinary, they were simply a part of life that required a constant state of readiness. While some of these constraints were ultimately positive, they require a brutal period of adjustment when moving from a major civilization hotspot. Social Filtration: The contacts I did maintain were either for local insight or out of necessity. I’ve never been the biggest socialite, but over the last four years, including my travels, I have intentionally surrounded myself only with those who align with my goals, primarily my fiancé, the community I built online, and fellow mountaineers who share my drive. You become who you spend time with. I can still have fun with old friends, but when the goal is to retire from the system in your 30s, fun becomes secondary. Family Sacrifice: I paid with the loss of quality time with my family. This is the cost that bothers me most. My parents and grandma are not getting younger, and their aging is the primary reason I intend to be more present from this point forward. Emotional Disconnection: I paid by becoming detached from my emotions and, consequently, from those closest to me. Business and family don't always walk hand-in-hand, finding a balance almost cost me more than I was willing to pay. Fortunately, by shedding toxic beliefs and the people who pushed me toward them, I found my footing. Sometimes you have to swing to an extreme to find the center. My pendulum swung far past the target, but I’ve managed to slow it down near the balance point. Material success is valuable, but it isn't everything. Being obsessed all you life with it is just another way to play the game on their terms. Pure Uncertainty: I paid in the currency of massive, daily uncertainty. I lived with no fixed income, in a foreign land, with no safety net, working in one of the most volatile fields in existence. The Experiences That Shaped Me Most: Life and Death in the Wild: Living this remotely fundamentally changed my relationship with death. These mountains are vast and unforgiving. You see wild horses and other animals roaming free, but if you understand how nature truly works, you know that freedom comes with a price. I have buried many dogs, found countless bloody animal carcasses in the wilderness, and encountered bear and wolf tracks more than once. The Weight of Responsibility: We once hosted six street dogs, it was like running a kindergarten and, at times, incredibly stressful. Because they were all under three years old, their energy was chaotic. We couldn't bear to leave them outside in the winter, but eventually, it became too much to handle. We had to set a boundary, keeping only our own dog and one other who was recovering from a smashed hip. We decided to support the others as street dogs around our house instead. Tragedy struck some time later when all the street dogs in the area were poisoned. Over twenty dogs died, including two of the ones we were still caring for. It was a brutal lesson in the limits of what one can control. Reconnecting with the Food Chain: I’ve experienced what it truly means to take a life. We were invited to a traditional barbecue where we helped a local family slaughter a cow. I held the animal as the local ended its life, I helped hang it to bleed out and assisted in removing the organs. Believe me when i tell you, most people who make fun of vegetarians wouldn't touch meat again, if they had to face that process instead of just peeling back a plastic cover. Similarly, we were gifted a chicken by nomadic locals living at 2,000 meters. I eventually had to butcher "Little Hansi" myself after one of our dogs caught him. As harsh as it sounds, this is how it should be. The industry has detached us from the reality of our food. People wouldn't eat meat every day if they had to take the life themselves. The Humility of Wild Peaks Climbing: The mountain range here is entirely different from the Alps. These mountains are huge and humbling, but they aren't a playground. There are no signs, no established paths, and no guarantee of rescue. While the famous peaks of the Alps can feel like amusement parks where people are carried up regardless of skills, truly wild mountains demand a different level of respect. They shaped me into a real mountaineer. Breaking the Loop by Living far from Home: Without social safety nets or familiar traditions, is a transformative experience. You are forced to build your own routines because the old ones no longer apply. You cease to be a mere product of your childhood, repeating the same cycle year after year. It’s like finally leaving the loop. Operating globally has shown me how much is possible outside the system. People feel trapped because their entire life centre is rooted in one country. When you move beyond those borders, you realise the cage was never actually locked. What’s Next: Reconnecting with Roots: After four years away from home and family, it is time to return to them. I recognise that I don't know how much time they have left, and I refuse to live with the regret of not being present. Family is a priority now. The Path of the Mountain Guide: A major life goal remains, becoming a certified mountain guide and completing my mountain rescue training. My intent isn't necessarily to spend my days carrying clients up peaks, but rather to push my technical skills to an elite level. This certification is also a prerequisite for a long-term dream: Starting my own helicopter operation for backcountry skiing. Furthermore, it will reintroduce me to the mountaineering community, one of the most genuine and high-caliber groups of people in the world. Finding the Right Community: Living in total isolation has its disadvantages. It is difficult to find mentors or partners for high-stakes projects. Among the locals here, I am in the top 5%, and the community is simply too small for consistent growth. While skilled tourists pass through, they rarely stay long enough for the right conditions to align. In the Alps, however, I have a deep network and a community of experts in every valley. A Gift from the Universe: For months, the direction was clear, but the destination was not. We knew we didn't want to return to our hometown or slip back into old, stagnant routines. We wanted to be back in Europe, but on our own terms. Then, an incredible opportunity appeared out of nowhere: The chance to manage a mountain hut not far from where we grew up. We will be living at 1,000 meters on an open south facing mountains side, with some of the most stunning views in the region. We will have our own animals and can live there freely throughout the whole summer. It is the perfect sanctuary, a place to intensify my guide preparation training and rejoin mountain rescue while gradually adjusting to the faster pace of Central European life. Finding a home with four animals and no traditional work contract is often a nightmare, this opportunity is a gift from the universe that simply cannot be planned. The Reward of Trust: I am incredibly happy with how life is unfolding. Everything is falling into place. The hard work is paying off, and life is rewarding us for following our dreams despite the uncertainty and the fear. In my view, this is exactly how life is meant to work: You stay open-minded with your intentions, you trust the process, and you show up for the work. If you want to break free from old patterns and build yourself into the version of yourself you’ve always wanted to be, leaving everything behind for some time is the ultimate game-changer. Write your own story. Up only from here.

🎁 As some of you already know, i can play on high leverage fairly safely as i can refine my entries into an average R:R of at least 7. High leverage isn't dangerous. What's dangerous is going long or short without a plan and with massive SL's. Most do this because they're afraid of wicks, but the reality is that they can't read the game and anyone on an average 2R isn't a profitable trader, so if you see any self-proclaimed "successful trader" out there claiming he's profitable while most of his setups are 2R or less, well...he's not. Below is one of the answers to "hidden liquidity" i so much talk about but don't really spoon-feed it to any of you. I do share it all on my charts, but due to lack of knowledge many just can't see it. Some of you decoded a lot of it already, while the majority wasn't able to so far. This isn't everything, but it's one of the 🗝️ secrets to become consistently profitable in this game, and the higher the TF you find these levels at, the more powerful it is, thus your probability to enter a position and succeed being much higher Vs if you find these levels on micro TFs. This doesn't mean you should just avoid micro TFs, because even though your success rate will drop, you will have the opportunity for many more trades in a short period of time Vs if you find the levels on HTFs, and if you master this craft you can be very profitable every single week, but i would recommend you start from HTFs, and then MTFs, and then LTFs, and only then micro TFs. 🗒️ FVG's matter nothing if there's no liquidity behind them, and there's a reason why i posted this couple months ago: x.com/Moneytaur_/sta…

One of the best paragraph I ever read and that is still printed in my mind: "Trading is an art that is learned not by adding something to one’s knowledge, but by removing something from one’s nature. Waiting, for a trader, is the most refined and difficult form of action to master. To wait and to do nothing are two very different things, within waiting lies opportunity. In the time “wasted” waiting, the mindset of a true trader is forged. Waiting is not for everyone, only those who have understood that trading is also a patient hunt, waiting for the prey to stick its nose out of the den, are capable of “wasting” time wisely. Boredom is a treacherous sidekick of the ego, an apparently harmless ally, yet one that ensnares the minds of many traders. Lurking, like a cat, scanning for opportunities: it’s a concept universally accepted in theory, but practically ignored by a vast number of aspiring traders. Doing nothing and waiting are two very different things. Observing patiently, awaiting the right moment, is boring, very boring. Opportunities will be missed. But that is the price to pay to avoid unexpected setbacks, ones that often stem from a small trade made to escape boredom or to chase the latest “trend” everyone is talking about."

"Mate, can you show me a real example of FA + TA?How do you use the FA model together with charts?" -> x.com/IamZeroIka/sta… This is Kikkoman 🫙🇯🇵 - At the end of February when I was monitoring it: - Revenue CAGR (5y): ~10% → ✅ - Forward growth: ~5–7% → ⚖️ - Organic growth: Strong → ✅ - Gross margin: ~33–36% → ⚖️ (normal/good) - Cyclicality: Low → ✅ - Operating margin: ~10–13% → ⚖️ - Net margin: ~8–9% → ❌ - ROIC: ~12–13% → ✅ (barely) - ROE: ~12% → ❌ - Margins trend: Stable → ✅ - Debt / Equity: ~0.3 → ✅ - Net Debt / EBITDA: ~<1 → ✅ - Interest coverage: High → ✅ - Current ratio: ~2+ → ✅ - Refinancing risk: Low → ✅ - FCF margin: ~5–10% → ❌ (borderline) - FCF conversion: ~70–90% → ❌ (not consistently ≥80%/earnings not always fully backed) - Positive FCF: Yes → ✅ -> generates cash - Share count: Stable → ✅ - P/E: ~23–30 → ❌ (kinda high for stability/overpaying a bit) - EV/EBIT: ~15–20 → ❌ (ain't cheap operationally) - Price/FCF: ~40+ → ❌ (expensive relative to cash generation) - Market share: Strong → ✅ (global leader) - Pricing power: Yes → ✅ - Switching costs: ✅ (no strong peers) - Industry (niche): Competitive -> but vs brands weak ✅ - Edge: Brand + distribution → ✅ - ROIC sustained: ~12% stable → ✅ - Capital allocation: Conservative → ❌ - Buybacks: Limited → ⚖️ - Insider ownership: Low → ❌ (2-3% total) - Strategy clarity: Yes → ✅ - Expansion (global): Yes → ✅ - Margin expansion: Limited → ❌ - Industry tailwinds: Yes → ✅ - Explainable: Yes → ✅ - Understandable business: Yes → ✅ - Consistency: High → ✅ - Simplicity: High → ✅ This gave me: 23 ✅ | 4 ⚖️| 10 ❌ Considering my FA analysis, it was good enough to start looking for a position. ⭕️Side note: Every stock has it own "story", you can't look only at "raw data" -> always interpret and put into context Now on the first image you can see 2 plans: - HTF IVB model (long only) - HTF rebalancement of previous move + deviation below local FV into multi month demand (spot + long) The first part of the plan failed (2% risk) but the reaction from the most optimal/heavy orders concentration produced almost a +25% move/11RR. No stress, 1 HTF setup divided into 2 potential plans. Form a FA bias -> look for your entries + HTF models -> execute

$SMCI and how to make "easy" money with Taurs Gift on Stocks. Here is one of the simplest ways. I just saw the bearish News, otherwise I wouldn't look at the Stock. This often happens to justify price moves. It never happens random. Look at what specific time the news "randomly" got released. If the news dump the Price into a significant level it's probably for a reason. How to make money on it? First of all you have to accept the reality. Everything is staged. Once you accept it you can backtest a bit. If you don't accept it you wont be able to execute. Then you have overcome your inner fear and take the position. The news don't only get released to dump the price. It triggers something in the brain - loss aversion. Yes even after accepting. But it stops the more often you do it. Once price gets Momentum it's up to you. Find a spot to bank the money. Don't fall for the next trap. Bullish news? Of course, someone will have to buy if someone wants to sell. I am not good at trailing, so I like take profit once it makes sense. I don't need to force high RR on every play, those events happen often enough. I bought some on Friday and have to admit I forgot to buy more at a better price on the refined demand. Not that bad. I don't allow a retest. bullish news out of the key level already got released so I expect a push into the first Supply area I marked or the 0.5. This should help.

Every dollar you take from the market is more than just money, it’s time. It’s freedom. It’s a piece of your life that you no longer have to trade away doing something you don’t want to do. Think about how much time people give up just to earn a single dollar. Some wake up before dawn, commute for hours, and spend their entire day at a job they hate just to make barely enough to survive. Others grind away at physically exhausting labor, breaking their bodies for wages that never seem to be enough. When you see money for what it truly is, thus energy, time, and sacrifice, you start to realize that every dollar deserves to be respected. Glorifying every dollar doesn’t mean being obsessed with money for the sake of it. It means understanding what it represents. If you pull $100 from the market, that might be an entire day's wage for someone working a job they can’t stand. If you make $1,000, that’s someone’s entire week, spent dealing with a boss they hate, stuck in traffic, drained and exhausted and you did it in minutes, from a screen, with nothing but skill, patience, and the right execution. This is why preserving every dollar matters. Every dollar kept is another moment of your life bought back. Every dollar wasted is time you’ll never get back. The people who treat money carelessly, who gamble it away without thought, are choosing to stay trapped in a cycle where they have to keep selling their time to survive. The ones who respect what they earn, who protect and grow it with discipline, are the ones who break free. And breaking free isn’t just about making money, it’s about knowing how to keep it, compound it, and multiply it. This is where technical skill, discipline, and long-term thinking separate those who succeed from those who don’t. Understanding capital preservation means knowing that every unnecessary loss pushes financial independence further away. A trader who consistently protects their profits extends their ability to take more opportunities, allowing their edge to play out over time. A reckless trader, on the other hand, can have the best strategy in the world but will ultimately fail if they don’t know how to manage risk and hold onto what they make. The math behind compounding is simple but ruthless. If you lose 50% of your account, you don’t need a 50% gain to recover, you need 100%. If you take unnecessary drawdowns, you aren’t just losing money, you’re losing time, options, and the ability to scale. Every dollar preserved keeps you in the game longer, giving you more chances to leverage your skill and execute properly when the best opportunities arise. Those who dismiss small profits, who fail to respect every dollar, are often the ones who never reach true financial freedom because they don’t see money for what it really is, a tool to reclaim control over your own life. Remember that if you are in a rush to use your money, do not be surprised if your money is in a rush to go somewhere else.