Episode 3 · November 5, 2026 — The average year has a 14% dip hiding in it somewhere — usually right when it feels like the end of the world. Standing on Park Avenue with the flags flying over Manhattan, Tom explains why that dip still ended in a higher year 35 times out of 46 — and why it often doesn't matter by December.
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In an average year, the market drops about 14% at some point along the way. It feels awful while it's happening — and yet the year still finished higher in 35 of the last 46 years. The scary red stretch in the middle of the year is normal, and often doesn't matter by December.
When your portfolio drops, relax. It's just an average year.
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