<h1>Confused About Investing? Start with These Two Things</h1>
<p>If you’re confused about investing, start with these two things because nothing else matters if you don’t get them right.</p>

<h2>1. Time Horizon</h2>
<p>If you need the money in under <strong>five years</strong>, it does not belong in the stock market. That’s not investing; that’s roulette.</p>

<h2>2. Asset Allocation</h2>
<p>You don’t need the perfect mix, but you do need one you won’t bail on when the market drops <strong>20%</strong>.</p>

<h2>3. Everything Else</h2>
<p>Sector picks, economic forecasts, or whatever the Fed is doing or not doing this week? That’s bonus content, not the main point.</p>

<h2>Conclusion</h2>
<p>If you can understand nothing else, focus on <strong>time</strong> and <strong>temperament</strong>. If any of this is helpful, sign up for my free newsletter by clicking the link in my bio.</p>