5 Investing Principles That Will Change Your Life
PLUS: The fear and greed index hit one of its lowest levels in history
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In today's newsletter:
💡 5 Investing Principles That Will Change Your Life
📣 Why stablecoins are a top bet for crypto VCs
📈 The fear and greed index hit one of its lowest levels in history
Let’s dive in!
💡 Insight
5 Investing Principles That Will Change Your Life
You’ve probably been told that time is your greatest asset in investing.
That’s true—but it’s not the full story.
What really sets great investors apart isn’t just time—it’s principles. A handful of core beliefs can compound your wealth and sanity just as powerfully as compound interest itself.
Whether you're throwing $500 into your first crypto token or diversifying your IRA, these five principles will change how you invest—and potentially, how you build wealth for life.
1. Set the Right Expectations
The #1 killer of promising investors? Unrealistic expectations.
We’ve all seen headlines of people turning $1,000 into $100,000 with the next hot altcoin or meme stock. And while that’s technically possible, it’s not normal—and it’s a dangerous mindset to invest with. The market doesn’t exist to make you rich overnight. It exists to reward patience, discipline, and risk management.
Set the right expectations:
Annual returns of 15-30% over the long term are excellent.
Crypto is highly volatile, and even promising projects can drop 80% before recovering.
Losses will happen. It’s part of the game.
🤑 Rule to Remember: The goal isn’t to get rich quick, it’s to get rich eventually—and stay that way.
2. Don’t Reinvent the Wheel
You don’t have to be a genius to build wealth. In fact, trying to be one often hurts more than it helps.
There are centuries of proven investment wisdom out there—built by investors who’ve navigated booms, busts, bubbles, and recessions. Instead of chasing the newest hype strategy or trying to time every market move, build your foundation on what already works:
Long-term dollar-cost averaging
Diversification across assets
Holding quality assets through cycles
In crypto, this means focusing on strong Layer 1s (Bitcoin, Ethereum), blue-chip DeFi, or infrastructure plays—instead of rotating your entire portfolio every month chasing the next dog-themed token.
🤑 Rule to Remember: Your emotions are a lagging indicator. Don’t follow the crowd—watch it.
3. Establish a Process
Every successful investor has a process—even if it’s simple.
That could be:
Reviewing your portfolio once a month
Buying on the first of every month, no matter what
Using a checklist before making any new investment
Processes remove emotion. They turn “gut feelings” into systems you can trust—especially in crypto, where FOMO and panic are just one tweet away. Want to stop second-guessing every decision and sleeping better at night? Build a repeatable process.
🤑 Rule to Remember: Strategy gets you in the game. Process keeps you in it.
4. Be Fearful When Others Are Greedy, and Greedy When Others Are Fearful
Warren Buffett’s famous line still hits hardest in crypto—where fear and greed flip faster than a pancake on Sunday morning.
The best opportunities are rarely comfortable. The market bottom in 2020? Terrifying. Bitcoin under $16,000 in 2022? Panic everywhere. Yet those who bought during the blood are the ones smiling today.
Train yourself to think counterintuitively:
When everyone’s calling for $100K BTC, take profits.
When no one wants to touch crypto, start accumulating.
When markets are boring, that’s often when the best buys happen.
🤑 Rule to Remember: Your emotions are a lagging indicator. Don’t follow the crowd—watch it.
5. Don’t Underestimate the Importance of Asset Allocation
What you buy matters. But how much you put into each investment matters just as much—if not more.
Too many investors go all-in on one asset or chain. Then it drops 50%, and their portfolio is wrecked. Smart investors diversify across asset classes:
Stocks
Crypto
Real estate
Cash
Alternatives (like private companies, collectibles, etc.)
Even within crypto, smart allocation matters: stablecoins, majors (BTC/ETH), and high-conviction smaller caps should each have their place based on your risk tolerance.
🤑 Rule to Remember: You can’t control the market. But you can control your exposure.
📣 Update
Why stablecoins are a top bet for crypto VCs
Stablecoins are one of crypto's clearest success stories — and VCs are treating them as a serious long-term bet. The use case is working at scale: stablecoins are moving billions every day, with adoption rising across payments, savings and business uses. Investors now see them as crypto's way into the real economy.
One of the main triggers for renewed VC attention was Stripe's $1.1 billion acquisition of Bridge last October — the largest crypto M&A deal to date. For many, it marked a turning point: a fintech giant putting stablecoin infrastructure into production.
That kind of monetization potential is part of why VCs now see stablecoins as a trillion-dollar opportunity — not just within crypto, but across global finance.
📈 Signal
The fear and greed index hit one of its lowest levels in history
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