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Why Most Men Wake Up at 65 Broke
“Belanger Trading Daily: Smart Trading Starts With Great Research.” Happy New Year! Earlier this year, I was sitting at a café in South Beach, enjoying the morning sun and watching the waves roll in. At the next table, two older gentlemen were deep in conversation. One of them was holding a newspaper, flipping to the coupons section. “I can’t believe this is where I ended up,” the first guy said, shaking his head. “I thought I did everything right—saved money, maxed out my 401(k), followed the advice. But here I am, cutting coupons just to make it through the week.” His friend leaned back and shrugged. “Yeah. Everything’s so expensive now. What else can you do?” They both sat there quietly for a moment, sipping their coffee. It was the kind of silence that spoke louder than words—two guys staring down the rest of their lives, realizing they were trapped. The Wake-Up Call That Comes Too LateThese men didn’t make mistakes. They made the same choices most people do:
But now, in retirement, they were learning the hard truth: Nobody cares about your money more than you do. For decades, they didn’t think much about their investments. They just let their accounts grow, assuming the markets would take care of them. But when it came time to actually rely on that money, they didn’t know what to do. That’s the trap of passive investing—it feels fine until it doesn’t. Why This MattersOver the years, I’ve had countless subscribers to my trading services who’ve come to me in the same place as those two men: desperate, scared, and completely unprepared. You wouldn’t believe how many emails I get that say things like:
These are the same people who ignored their accounts for years, trusting someone else to make the decisions. And now, they’re on tilt—chasing losses, making reckless bets, and hoping for a miracle. Here’s the harsh truth: Nobody cares about making money in the markets until they’re losing money in the markets. And by then, it’s often too late. How to Avoid This TrapLook, I get it. When you’re working, raising a family, and trying to keep your life together, it’s easy to put your finances on autopilot. “Set it and forget it” sounds great—until the market drops, or you retire, or you suddenly need that money to survive. The problem isn’t just the money. It’s the mindset. When you invest passively, you’re not just outsourcing decisions—you’re outsourcing your ability to learn.
That’s why so many people end up panicking when they finally pay attention. They don’t have the tools to make smart decisions. A Different PathNow, imagine a different scenario. Instead of waking up at 65 and scrambling to piece things together, picture this:
You’re not cutting coupons or praying for Social Security to cover the bills. You’re living life on your terms, whether that’s traveling, supporting your family, or just enjoying peace of mind. That’s the difference between passive and active investing. Active investing isn’t about chasing every stock or trying to outsmart the pros. It’s about:
It’s about taking control—so you’re never stuck hoping someone else will do it for you. Why Start Now?I’m 41 years old, and I’ve been trading for over two decades. I’ve seen people at every stage of life—from young professionals just getting started to retirees scrambling to make up for lost time. And here’s what I can tell you: the earlier you take control, the better off you’ll be. You don’t have to be an expert to start. You don’t need a huge account or a background on Wall Street. You just need to start paying attention. Because every day you wait is another day you’re letting someone else make decisions about your future. And if you’re not careful, you’ll end up like those two guys in the diner—wondering where it all went wrong. Trade Smart, Josh Belanger Thank you for reading Belanger Trading Daily. Stay tuned for more insights to help you trade smarter. Josh Belanger's results are not typical and are not a guarantee of your success. Josh is an experienced investor and your results will vary depending on education, work experience, and background. Josh does not personally participate in every investment alert he provides. Due to sensitivity of financial information, we do not know or track the typical results of our students. Josh’ strategies may not always be accurate, and his investments may not always be profitable. They could result in a loss of an entire investment. We cannot guarantee that you will make money or that you will be successful if you employ his trading strategies specifically or generally. Consequently, your results may significantly vary from his. We do not give investment, tax, or other professional advice. Reference to specific securities should not be construed as a recommendation to buy, sell or hold that security. Specific securities are mentioned for informational purposes only. All investments involve risk, and the past performance of a security, industry, sector, market, financial product, investment strategy, or individual’s investment does not guarantee future results or returns. Investors are fully responsible for any investment decisions they make. Such decisions should be based solely on an evaluation of their financial circumstances, investment objectives, risk tolerance, and liquidity needs.
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