"The stock is down 40%, it has to come back." You've heard this. You may have said it. It sounds sophisticated — it invokes statistical law.

The financial independence / retire early movement is built on genuinely sound math. Save aggressively, invest in lowcost index funds, spend

Most people who start taking notes hit the same wall six months in: the system works until it doesn't. Notes pile up, folders multiply, and

Bottom line: Today's 2.8% drop is mostly a mirage — it's mechanical, not panic. But strip that away and you're left with a stock that has no