The Play Book

The average investor has a 3% yearly return, while the S&P has an 8% annual return. Does this disparity suggest that markets are irrational, or does it reveal that investors tend to overestimate their own abilities?

Michael Longoria Michael Longoria

Update Q3 2025

AI is changing the game, and sticking to old-school investing rules is a good way to get left behind. In this post, I break down my current top positions in my Roth IRA and explain why I trust my eyes, trends, and market buzz over traditional metrics—and why that mindset has me up 33% this year.

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