This episode is our yearly investing accountability report — the “Whoopsie Daisies” review where we openly break down the trades and decisions that didn’t go to plan.

We cover:

• Dividend suspensions and cuts that blindsided us (and what we do now when income goes to zero).
• Selling too early on winners and how we’re changing our  profit-taking rule so we stop prematurely ejecting from huge runners. (Last year's keep going up! WTF) 
• High-yield ETF experiments that didn’t  behave the way they should (and which YieldMax ETFs aren't absolute garbage). 
• Overpaying for great long-term holdings (UPS, LYB, TRMD) and how we use valuation, bands, and DCA to repair a bad entry without panic-selling.
• How we manage risk with a max position-size rule and why that on ...