What if you’d invested $10,000 in the S&P 500 right at its all-time high on March 24, 2000? You’d have ridden through the dot-com crash, the 2008 financial meltdown, and years of volatility — but patience paid off: that $10K is now worth over $53,000, a 430% gain. The lesson? Time in the market beats trying to time it.

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