The “Boring” Stock Plan That Usually Beats 90% of People

[kherbo]

If your only goal is wealth, not excitement:

1. emergency fund first
2. DCA into broad ETFs monthly
3. keep fees/taxes low
4. add single stocks only if you can hold 3–5 years
5. rebalance once or twice per year
6. ignore daily news

Most people lose because they overtrade, panic, or chase trends.
Question: What part of this plan is hardest for you—patience, consistency, or ignoring hype?