Market Myths That Cost You Money: The 10 Wall Street Lies Quietly Wrecking Your Returns

If you missed just the 10 best days in the market over the last 25 years, you would have cut your returns nearly in half. Miss the best 30 days, and you might as well have left the money in a money market. Miss the best 50 days, and you are actually losing money. That is the cost of a market myth. In this week's Money On Tap, Ben Brayshaw and Dan Michelon break down the most common — and most expensive — market myths that quietly erode investor wealth: "Sell in May and go away," "now is the wrong time to invest," "cash is safer than stocks," "investing is just legalized gambling," "more holdings means better diversification," "gold is a safe haven," "bonds are risk free," and more. With hard numbers, clear analogies, and three decades of planning experience between them, Ben and Dan sort fact from folklore — and lay out a disciplined, statistics-backed approach to growing and protecting your money. You will learn:Why missing the market's best 10 days can cut your long-term returns in halfWhy lump-sum investing beats dollar-cost averaging 67-75% of the timeHow a $100,000 in cash since 1992 compares to the same $100,000 in the S&P 500Why 2,900 holdings may actually be less diversified than 500The truth about gold, bonds, and "safe" investmentsHow a $50-per-month investor can still build real wealthPlus "Money In The News":NAHB home builder sentiment drops to a 7-month low amid material, labor, and oil pressuresTrump Accounts sign up 5 million kids — with community sponsorship changing the gameMarch CPI surges 0.9% as the Iran conflict reshapes the inflation outlookResources & LinksWebsite: https://www.brayshawfinancial.com/Money On Tap podcast hub: https://www.brayshawfinancial.com/money-on-tapFull Money On Tap episode library: https://www.brayshawfinancial.com/money-on-tap-podcast-contentRead the companion blog: https://www.brayshawfinancial.com/blogOur planning process: https://www.brayshawfinancial.com/our-processSchedule a free consultation: https://www.brayshawfinancial.com/contactRelated Episodes:Retirement distribution strategy: how to keep more of your income → https://www.brayshawfinancial.com/money-on-tapThe difference between accumulation and distribution → https://www.brayshawfinancial.com/money-on-tapTax-smart investing and why most investors overpay → https://www.brayshawfinancial.com/money-on-tapHow to vet a financial advisor (the questions that matter) → https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: [email protected]: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhy doesn't inflation feel like the official 3%?Because inflation is the rate at which prices rise, while affordability is the level of prices you have to live with — and that level never resets. Retirees also buy a different basket than the CPI emphasizes: shelter costs, insurance, property taxes, healthcare, prescriptions, food, and fuel, several of which run far hotter than headline inflation. Oil compounds it, touching every leg of the delivery chain. A resilient retirement plan stress-tests income needs well above the Fed's target and fights back with pricing-power equities, reasonable bond yields, guaranteed lifetime income for core expenses, and tax mitigation that lets you keep more of every distribution.