Every few months a new “you're missing out” hits: a meme stock, a coin, an NFT, some founder's “get in now.” By the time it's loud enough for you to hear, the smart money is already selling to the crowd. The crowd is the exit.

This is the oldest pattern in markets: hype peaks right as the opportunity dies. Buying because everyone's buying — and panic-selling because everyone's selling — is a near-perfect machine for buying high and selling low. It feels like action. It's actually the herd getting sheared.

The unsexy truth: boring, consistent investing beats chasing almost every time. Not because you're missing the next big thing — but because for every “next big thing” that works, ten leave the latecomers holding the bag.

Missing a hype train isn't a tragedy. Getting run over by one is.

This week: next time the FOMO itch hits, wait 72 hours before acting. Usually the feeling — and the “opportunity” — passes.

— Kevin