TOPLEY’S TOP 10 October 02, 2025

1. Since August Speculative Equity Dominated…Quantum, Crypto and Non-Profit Tech


2. Small Cap Non-Profit Stocks Outperforming Quality by 1999 Levels

Zach Goldberg Jefferies


3. AI vs. The World Venture Investing

Wolf Street Blog

Wolf Street


4. Another Look at the Silver Breakout

@Charlie Bilello


5. MSTR vs. S&P November 2024-Now

Abnormal Returns


6. IPO Market Still Running at Half the Amount Raised in 2021

Barron’s


7. Dollar Rolling Back Over

Barchart


8. Luxury Home Market Slows

WSJ The number of luxury-home sales nationwide dropped 0.7% during the three months ended Aug. 31, compared with the same period last year, according to data from real-estate brokerage Redfin, which said luxury sales nationwide dropped to the lowest level for that period since it began tracking the market in 2013.

Price growth also slowed. During the three months ended Aug. 31, the median sale price for luxury properties—defined as the top 5% of the market—increased 3.9% year over year to $1.25 million, according to Redfin. But that is down from a 6.1% year-over-year price jump for the three months ended Aug. 31, 2024.

WSJ


9. How Religious is Your State? Pew Research

Pew Research Center


10. How to Become a Super Learner

Psychology Today Science-based techniques can help you learn more effectively. George S. Everly, Jr. PhD,

Key points

  • Science has revealed how to accelerate the learning process, with exercise, multimedia learning, and more.
  • Super learning techniques may even help overcome learning challenges.
  • Super learning techniques may enhance the brain’s learning capacity through increased neuroplasticity.

In my first year of high school, my father was summoned to my counselor’s office. He was advised to remove me from high school as I would likely not graduate. And if I did graduate, I would certainly never be accepted into college. It seems I was simultaneously burdened with two debilitating syndromes — dyslexia and ADHD. So, while my academic performance was short of outright failure, my prognosis did not seem very positive to my teachers at the time. Against my counselor’s advice, my father insisted I continue in high school.

My father delayed telling me about his encounter with my counselor until my graduation, but it wasn’t my high school graduation. My father decided to reveal his encounter with my counselor only when I reached the age of 27 and had just completed my first doctoral training program. What happened? Now, many years later, having been a professor at two of the leading universities in the world and the author of over 20 books I look back and try to answer the question “What happened?”

Jim McCann (author of the book Lodestar: Tapping into the Ten Timeless Pillars of Success) hosts a popular podcast, “Celebrations Chatter.” He recently interviewed Dr. Barbara Oakley. Oakley’s book, Learning How to Learn, is a national best-seller and her MOOC of the same name has been accessed by over 4 million learners. In her interview, her book, and her MOOC, Oakley describes how she went from an 18-year-old military recruit who hated math to a professor of engineering. What happened? She unravels the mysteries of learning. She describes how to harness an understanding of how the brain works so as to help you become a super learner. Most importantly, however, her message is a message of hope for all of us, especially those of us challenged by formal education or just learning in general.

The Secrets of Super Learning

Interestingly, my own personal journey with learning seems like a confirming case study of many of the techniques advocated by Oakley. Here are several techniques that appear to accelerate learning and creativity that almost anyone can utilize.

  1. Moderate physical exercise before studying appears to facilitate learning.
  2. Moderate physical exercise prior to taking a test appears to enhance test performance.
  3. Try the Pomodoro Technique, wherein you engage in highly focused study, but only for 25 minutes. Then relax for 10-15 minutes. Then repeat.
  4. Try “pre-sleep learning” (hypnogogic learning). This technique involves studying a problem as you literally fall asleep. The technique is purported to enhance retention and creativity. It was used by Thomas Edison and by Friedrich Kekulé, the chemist who famously envisioned a snake biting its own tail as an analogue for the structure of benzene. And it helped write a textbook that has been in print 45 years (Everly & Lating, 2019).
  5. Multimedia learning involves taking the material to be learned and converting it into multiple media, such as a) text material, b) listening to an audio presentation of the same text, c) converting the text into a rhythmic poetic cadence, d) combining the text with music, and e) even converting key concepts into representative pictures.
  6. Use a four-step active learning process: a) study the material for 25 minutes, b) reduce the material to an outline of only the key points, c) close your eyes and relax for 10 minutes, and finally d) have someone quiz you on the material just learned.
  7. Lastly, harness the Pygmalion Effect. Find a friend or mentor who believes in you and who will support you in difficult times but most importantly be a relentless advocate and source of encouragement.

These techniques may be useful because they harness several mechanisms known to facilitate learning, especially overcoming barriers to the learning process (Oakley et al., 2018; Everly & Lating, 2019).

  1. They seem to facilitate neuroplasticity, wherein the brain reorganizes itself in order to understand and retain new material. Physical exercise, pre-sleep learning (hypnogogic learning), and repetition are all associated with enhanced learning, likely predicated upon increases in brain-derived neurotropic factor (BDNF). Finding ways of enhancing the release of BDNF may be a key to becoming a super learner.
  2. Multi-media learning is associated with the recruitment of varied and diverse brain regions serving to complement and enhance the learning process.
  3. Interpersonal support is the single best predictor of human resilience. The belief and expectations that a teacher, coach, mentor, or parent have for their students can significantly impact who those students become.

While we have yet to discover a practical variant of a “limitless” pill as depicted in the 2011 movie, there is hope. Regardless of what kind of learner you were born, you can be better at it because whatever brain you have, you can make it better – my own journey would seem to support such a conclusion.

https://www.psychologytoday.com/us/blog/when-disaster-strikes-inside-disaster-psychology/202509/how-to-become-a-super-learner

TOPLEY’S TOP 10 October 01, 2025

1. Q4 Best Historical Returns But October Highest Volatility Month

Bloomberg


2. Average First Day IPO Returns in 87th Percentile 2025


3. Cathie Wood ARKK +50% 2025 …Still Way Below 2021 Highs

Google Finance


4. One Bearish Stat…Insiders Selling

Corporate insiders. “Corporate insider activity signals a bearish tone, with the Insider Transactions Ratio reflecting both caution and profit-taking behaviors.”

Daily Chartbook


5. Bitcoin Entering Historically Bullish Months

Nasdaq Dorsey Wright–Furthermore, October ushers in the strongest seasonal period for Bitcoin. From the end of September to the end of May, Bitcoin averages a gain of 133.7% over those eight months. Meanwhile, it averages a 5.6% gain from June to September, meaning that almost all of Bitcoin’s gains have historically come outside the summer months. Similarly, the NDW index of the ten largest cryptocurrencies by market cap (DWACRYPTO) has averaged a 13.3% gain during the weak period and a 166.8% gain during its strong period. Despite early-year weakness, Bitcoin’s performance has closely mirrored its historical average, remaining relatively flat from late May to now. On the other hand, DWACRYPTO rose 26% during the weak period, highlighting the relative strength of altcoins during a typically sluggish stretch.

Seasonality alone doesn’t drive markets, but it can offer useful context, especially when supported by broader market trends and technical indicators. While crypto momentum has cooled off from summer highs, seasonal trends and expanding breadth offer reasons for optimism. For those with the right risk tolerance, an improvement within cryptocurrencies could offer more than just pumpkin spice and playoff races this Fall.

Nasdaq


6. Total2 is Measure of Total Crypto Market Cap Ex-Bitcoin….+65% in One Year

Total2–Crypto Total Market Cap Excluding BTC, $

TradingView


7. Vanguard Softens Its Stance: Crypto ETF Access May Be Coming—From The Crypto Advisor Substack

The Crypto Advisor

As alluded to in the main segment, the institutional tide in crypto continues to turn – this time with Vanguard.

The world’s second-largest asset manager, with $10.4 trillion in AUM, is preparing to allow access to crypto ETFs on its brokerage platform, Crypto in America has learned. This change in tune is notable coming from one of the most conservative firms – and one that not long ago said, “We also have no plans to offer Vanguard Bitcoin ETFs or other crypto-related products—our perspective is long-standing that cryptocurrencies’ high volatility runs counter to our goal of helping investors generate positive real returns over the long term.”

The significance is hard to miss. One of the industry’s most prominent crypto holdouts may now be preparing to open the door. With regulators fast-tracking ETF approvals and Vanguard’s new CEO, Salim Ramji, bringing direct experience from BlackRock’s blockbuster IBIT launch, the competitive pressure to offer access is mounting. If Vanguard moves forward, it could mark another milestone in bringing crypto into the mainstream toolkit of American investors.

https://thecryptoadvisor.substack.com


8. Private Equity Transactions Still Trending Down

Bloomberg


9. Federal Workers Long-Term Trend

Reuters


10. Chinese-made ‘bone glue’ fixes fractures in just 3 minutes with one injection: report

By Shane Galvin

Scientists in China have developed a revolutionary new “bone glue” that can heal fractures, which could traditionally take months to heal, in a matter of minutes, according to a report.

Product “Bone-02’ was developed by a Chinese research team, which sought to fix orthopedic injuries that would generally require months of downtime and invasive surgeries that often include metal plate insertions, the Global Times reported.

Lin Xianfeng, associate chief orthopedic surgeon at Sir Run Run Shaw Hospital, in Hangzhou, said the adhesive can achieve precise fixation in a matter of minutes even in blood-rich environments.

An X-ray of a broken arm that could be treated by the Chinese invented “bone glue” in just minutes.Nattapol_Sritongcom – stock.adobe.com

The glue treatment comes in the form of a single injection and will “bond shattered bone fragments in just three minutes,” according to that report.

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In one trial case, a patient with a wrist fracture received one injection via a mere 3 cm incision and was healed in just three minutes, Cho Sun Daily reported.

https://nypost.com/2025/09/28/health/china-made-bone-02-glue-fixes-fractures-in-just-three-minutes-with-one-injection

TOPLEY’S TOP 10 September 30, 2025

1. The New Mag …ORCL, PLTR, AVGO

Bloomberg


2. Bull Rush into Call Options


3. ”Circularity” The New Buzz Word in Tech

Prof G Markets


4. Softbank +125% 2025 on AI Bets…..After 2+ Years of Sideways Action

StockCharts 


5. Biotech Gets in Green for Year on Small Cap Rally….Rolls Over at 2024 Highs

StockCharts


6. Intel Gets Back to 1999 Levels

Bespoke


7. The Taliban Has Shut Off the Internet in Afghanistan

Spencer Hakimian


8. America’s Immigrant Population

Voronoi


9. Updated Mortgage Rates Across the Spectrum

MortgageCS


10. The Body’s Hidden Role in Mental Illness: What 100 Years of Psychiatry Missed

Mark Hyman, MD 

Twenty years ago, I wrote The UltraMind Solution proposing a radical idea: to fix your broken brain, you need to fix your body first. The medical establishment wasn’t ready. Today, Stanford Medicine is proving me right.

Dr. Shebani Sethi just published results that should shake psychiatry to its core. Her metabolic psychiatry approach achieved what decades of psychiatric drugs couldn’t: 100% reversal of metabolic syndrome in patients with serious mental illness, plus dramatic improvements in their psychiatric symptoms.

Here’s the science they don’t want you to know.

The 100-Year Cover-Up

A century ago, psychiatrists observed elevated lactate and low glutathione in patients with serious mental illness—clear markers of cellular energy dysfunction. Then we abandoned this research for the more profitable neurotransmitter model.

This resulted in treating symptoms while ignoring causes.

Your Brain on Metabolic Dysfunction

Consider these facts:

  • Type 2 diabetics’ mitochondria function at half the rate of healthy individuals
  • The brain has the highest concentration of mitochondria of any organ
  • 93.2% of Americans have some form of metabolic dysfunction
  • People with insulin resistance have double the risk of depression

When your cellular powerhouses can’t produce energy efficiently, your brain doesn’t get a headache—it produces depression, anxiety, bipolar disorder, and schizophrenia.

The Stanford Breakthrough

Dr. Sethi’s ketogenic therapy trial delivered results that would make Big Pharma nervous:

  • 36% reduction in visceral fat
  • 27% reduction in insulin resistance
  • 12% weight loss
  • Complete reversal of metabolic syndrome in every participant
  • Significant improvement in psychiatric symptoms

Unlike psychiatric medications that cause weight gain, diabetes, and metabolic syndrome, this approach fixes the underlying biology.

The Mechanism Medicine Ignores

Here’s what happens when your metabolism breaks down:

  • Mitochondrial dysfunction reduces brain energy
  • Chronic inflammation damages neural pathways
  • Insulin resistance impairs neuroplasticity
  • Oxidative stress accelerates brain aging

We’ve been giving antidepressants to people with broken cellular metabolism. It’s like trying to start a car with sugar in the gas tank.

Beyond the Ketogenic Diet

Metabolic psychiatry isn’t just about going keto. It’s about fixing the four core mechanisms of metabolic disease:

  1. Mitochondrial dysfunction
  2. Chronic inflammation
  3. Oxidative stress
  4. Impaired cellular plasticity

This means testing and optimizing:

  • Insulin resistance markers (triglyceride/HDL ratio)
  • Inflammatory markers (CRP, cytokines)
  • Nutrient deficiencies (B vitamins, omega-3s, vitamin D)
  • Mitochondrial function
  • Gut health and microbiome

The Uncomfortable Truth

At our Function Health centers, we’re seeing what Dr. Sethi describes: 70% of people have nutritional deficiencies, 95% show metabolic dysfunction, and 46% have elevated inflammation markers.

We’re not dealing with a mental health crisis, we’re dealing with a metabolic health crisis that manifests as mental illness.

What This Means for You

If you’re struggling with depression, anxiety, or other mental health issues, ask yourself: Has anyone ever checked your insulin resistance? Your nutrient levels? Your inflammatory markers?

Probably not. Because the current system profits from managing symptoms, not curing diseases.

Dr. Sethi has launched Metabolic Psychiatry Labs to make this approach accessible nationwide. Stanford is scaling up research. The science is solid.

The question isn’t whether metabolic psychiatry works—it’s whether our healthcare system will embrace it or continue pushing pills that treat symptoms while the underlying biology deteriorates.

Your brain deserves better than a broken system. Your body holds the keys to your mental health.

Listen to our full conversation here: https://youtu.be/mVPhltup0IY?si=oP0RumBgN0R6_DV9

https://www.linkedin.com/pulse/bodys-hidden-role-mental-illness-what-100-years-missed-mark-hyman-md-han1c/?trackingId=wzd%2BnRJv34Ix6shxmPsJkQ%3D%3D

TOPLEY’S TOP 10 September 29, 2025

1. Cap Weighted Price/Sales Record Highs….Equal Weighted Well Off Highs and Near 25-Year Median-Bespoke

https://www.bespokepremium.com


2. Leverage ETFs See Outflows this Month

https://x.com/KobeissiLetter


3 New September Highs Good For Q4

There were actually 8 new highs in September. When September makes new highs, Q4 is higher 90% of the time. 

Source: Ryan Detrick


4. Maybe The Most Important Break-Out….Earnings Per Share 12 Month Estimates…

https://www.theirrelevantinvestor.com/p/the-compound-and-friends-how-to-earn-stock-market-returns-with-half-the-risk


5. UPS Big Sell Off Sends Dividend Yield to 7.8%

https://finance.yahoo.com/news/united-parcel-making-big-moves-075400947.html


6. Shrinking Volatility of Bitcoin

https://www.advisorperspectives.com/commentaries/2025/09/26/u-s-dollar-crossroads


7. International Money Managers Back to Buying Chinese Assets

https://finance.yahoo.com/news/china-markets-shed-uninvestable-tag-230000237.html


8. Sample of Chinese Lending in Africa-Nigeria

http://www.semafor.com/


9. China won the electric car race. Up next: freight trucks

By ANANYA BHATTACHARYA

  • China’s BYD and Sany dominate the global electric freight truck market.
  • Fewer than 1% of heavy-duty trucks are electric in India, the U.S., and Europe, compared with 22% in China.
  • High upfront costs, a lack of charging infrastructure, and fragmented ownership make electrification of trucks difficult.

China flooded the world with electric cars. Its next target is freight trucks.

BYDi, the Chinese automaker that overtook Tesla in sales of electric cars last year, now ships electric freight trucks to Italy, Poland, Spain, and Mexico — alongside eight other Chinese companies that dominate the global market. Chinese automakers accounted for 80% of the world’s 90,000 electric cargo-truck sales last year, according to the International Energy Agency

Globally, CO2 emissions from heavy-duty vehicles have risen by almost 3% every year between 2000 and 2018. Trucks accounted for 80% of the increase. Their outsize impact on the environment has made the electrification of trucks crucial for climate goals. Chinese companies are capitalizing on their massive home-market scale to export commercial-truck solutions, building factories from Mexico to Europe

“They bring cost competitiveness, manufacturing know-how, and proven technology stacks,” Bill Russo, founder and CEO of Automobility Limited, a Shanghai-based advisory firm, told Rest of World. “In many ways, they act as enablers for global fleet operators who want to decarbonize but lack local suppliers at scale.”

In China, electric trucks captured 22% of the heavy-duty market in the first half of 2025. In contrast, India sold just 280 long-haul electric trucks out of 834,578 total commercial truck sales last year. In Europe, EVs represent about 1% of truck sales. Tesla’s much-hyped Semi truck — announced in 2017 and delivered in token quantities to Pepsi in 2022 — has all but vanished due to component failures, range anxiety, and high costs.

https://restofworld.org/2025/china-electric-freight-trucks/?utm_source=chartr&utm_medium=email&utm_campaign=chartr_20250928


10. Ed Stack: Lessons from Dick’s Sporting Goods-Shane Parish

Ed Stack built Dick’s Sporting Goods from a struggling family store into an empire of more than 800 stores and billions in sales. Along the way he nearly lost everything. Multiple times.

This episode is the story of what he did, how he did it, and the lessons you can learn.

Lessons From Ed Stack:

1. Believing in someone before they believe in themselves changes everything. Dick Stack’s grandmother pulled $300 from her cookie jar after his boss crossed out his carefully crafted list. She didn’t give him business advice or connections. She gave him belief. Dick’s Sporting Goods exists because a grandmother believed in an eighteen-year-old kid who barely graduated high school. 

2. Your name is your biggest asset. When Dick’s second store failed in 1956, he could have declared bankruptcy like everyone expected. Instead, he sold his house, his car, everything he owned to pay back creditors in full. Six weeks later, when he asked those same suppliers for another chance, they remembered. Trust isn’t earned in the easy times; it’s earned in the fire. 

3. Develop a taste for saltwater. Ed despised working at his father’s store every summer and on weekends from age thirteen. While friends played baseball, he unloaded trucks in suffocating heat. However miserable those years were, he learned. However, sometimes your worst experiences are the best education. 

4. Ignorance can be a superpower. Ed and Tim signed papers to buy land in Syracuse with no plan, no budget, and no idea they were getting a “vanilla box”. They nearly opened a store with empty walls. They made every possible mistake. But here’s the thing: if they’d known everything that could go wrong, they might never have even tried to expand. Sometimes knowing too much kills action. 

5. The quiet one is the decision maker. At the make-or-break GE Capital meeting, suits grilled Ed for ninety minutes. But in the back corner sat a man who never spoke, just watched. Ed reflected later, “If you’re in a meeting and there’s a guy sitting off in a corner, not saying anything, that’s the guy you probably have to convince. He’s the decision-maker.” Every important meeting works this way: The loud ones interrogate. The quiet one decides. 

6. Own your mistakes. When GE Capital asked about Dick’s near-bankruptcy, Ed didn’t deflect or minimize. In fact, he was brutally honest: “We made a series of mistakes. Here’s what they were. Here’s why we made them. Here’s exactly how we’ll ensure they never happen again.” Most people explain away failure. The best own it. The precision of your diagnosis proves the depth of your learning.

7. Never rely on the kindness of strangers. After nearly losing everything in 1996, Ed learned what Buffett knew: “Never count on the kindness of strangers to meet tomorrow’s obligations.” The banks can’t take your business if you don’t owe them money. Never put yourself in a position to need the kindness of strangers. 

8. Pick the company that wants it more. When Puma and Adidas wouldn’t return Ed’s calls, he gave shelf space to an upstart company that really wanted it. That company was Nike. When established brands ignored them, he backed a hungry football player making shirts in his grandmother’s basement. That company was Under Armour. Sometimes the best deals come from those desperate to prove themselves, not those who’ve already made it.

9. When the map and territory differ, believe the territory. The VCs pulled out spreadsheets showing Ed what looked good on the screen. But Ed remembered that kid in Buffalo who gasped at thirty feet of baseball gloves. Sure, that wall of gloves didn’t turn inventory fast, but it got people in the store. When spreadsheets and customers disagree, the customers are almost always right. The data isn’t wrong. You’re measuring the wrong thing. The map is not the territory. The spreadsheet is not the store.

10. Remember what you’re really selling. Dick’s Sporting Goods became an empire because Dick and Ed Stack knew they weren’t just selling equipment. They were selling dreams. When you understand what people really buy, you understand everything.

11. Become someone people want to root for. If people think you’re overrated, they’ll root against you. However, if people see you as underrated, they’ll go out of their way to help you. There is no status quo.

https://fs.blog/knowledge-project-podcast/outliers-ed-stack/#:~:text=Lessons%20From%20Ed%20Stack%3A

TOPLEY’S TOP 10 September 26, 2025

1. Investments in Data Centers Dwarf AI Spending

The Telegraph


2. Foreign-Held U.S. Equities Hit New Record Highs

NDR


3. Meanwhile…No Money is Flocking to Euro

Apollo


4. Gold Pulling Away from Bitcoin Since August

YCharts


5. Lithium Price Still -90% From Highs

Bespoke


6. COIN Hit $444 at highs…-27% from that Level….Holding June Levels

StockCharts


7. Consumer Staple Bear Market …Now KVUE Tylenol News…Pulls Back to 3-Year Lows

StockCharts


8. Distribution of Stock and Housing Wealth in America

Ben Carlson


9. Africa Trading is Owned by China vs. U.S.

Semafor


10. 4 Ways to Protect Your Path to Purpose

Why managing risks may matter more than chasing dreams. Jordan Grumet M.D.

Key points

  • Financial planning frees time and choice, fueling a more purposeful life.
  • Using leisure wisely reduces the risk of living without fulfillment.
  • Courage means saying yes, embracing discomfort, and growing into purpose.

In the financial world, we spend a lot of time talking about risk mitigation. It’s the art of putting safeguards in place to reduce potential losses. Not eliminating risk entirely, but managing it well. A smart financial plan doesn’t just focus on growing wealth; it pays attention to protecting what you already have.

I often think the same applies to purpose. We get so caught up in searching for purpose—chasing passion, pursuing fulfillment—that we forget there are forces working against us. If we don’t account for those risks, our best efforts can be derailed.

Sometimes the surest way to live with meaning isn’t by adding more, but by defending against what might take it away. Here are four ways to risk-mitigate when it comes to purpose.

1. Financial Planning

Money isn’t the only tool for building a purposeful life, but it is a powerful one. Having financial stability gives you choices: the choice to leave a job that no longer fits, to outsource tasks that drain you, or to invest your time in the relationships and activities that bring you joy.

When you save and invest, the goal isn’t simply to watch the numbers climb in your account. It’s to have better control over the one thing that is most precious to us: our time. Purpose thrives when you can structure your calendar around what matters most, not just what pays the bills.

Financial independence won’t guarantee a life of purpose, but it creates breathing room to pursue it.

2. Time Management

If you ask most people what stands in the way of living with purpose, they’ll say “not enough time.” Yet the U.S. Time Use Survey tells a different story: the average American has four and a half to five hours of free time a day.

The real issue isn’t scarcity—it’s choice. How you spend those hours may be the single biggest factor in whether you feel fulfilled. Do you scroll endlessly through your phone, or do you connect with a friend, volunteer, read, or create something new?

Time is a risk in disguise. Used passively, it drains away. Used intentionally, it’s your best ally in building a meaningful life.

3. Courage

Even with money and time, purpose doesn’t just appear. One of the biggest risks is failing to act because we lack courage.

Living with purpose requires experimentation. It means stepping outside comfort zones, trying things you’ve never done before, and accepting the discomfort that comes with growth. Different outcomes only come from different choices.

Courage is the willingness to say yes to the new activity, the unexpected invitation, and the unfamiliar challenge. Yes to the awkward first step that might lead to joy. Yes to the unknown.

Purpose doesn’t arrive fully formed. It’s discovered through small, brave acts repeated over time.

4. Social Media

If courage expands our world, social media often shrinks it. Platforms are filled with people selling their own versions of purpose: influencers, advertisers, politicians. They dangle images of success, belonging, or happiness, usually tied to something they want you to buy or believe.

These borrowed definitions of purpose are often big, audacious, and unattainable. And when we measure ourselves against them, we risk sliding into frustration, anxiety, or despair.

Protecting your sense of purpose sometimes comes down to something simple: putting the phone down. Reconnect with your own values, not someone else’s curated highlight reel.

In Conclusion

Purpose isn’t just about offense—chasing dreams, setting goals, or building passions. It’s also about defense: protecting ourselves from the forces that erode our sense of fulfillment.

Financial planning, mindful use of time, everyday courage, and boundaries around social media are all forms of risk mitigation. They don’t hand you purpose, but they clear the path so you can pursue it without constant sabotage.

Risk mitigation may not sound glamorous, but it’s practical, and it works. Identify the biggest threats to your purposeful life and take steps to guard against them. When you do, you’ll find it much easier to build the life you want.

One where purpose isn’t just a dream, but a daily reality. https://www.psychologytoday.com/us/blog/the-regret-free-life/202509/4-ways-to-protect-your-path-to-purpose