RIDING THE MARKET ROLLERCOASTER

If you haven't checked your investments lately, brace yourself. It's been BRUTAL out there.

The perfect storm has hit: tariffs, political chaos, possible government shutdown - and your portfolio is feeling it. But here's the truth: rollercoasters are only dangerous when you JUMP OFF mid-ride.

WHAT'S HAPPENING RIGHT NOW?

At Black Mammoth, we don't sugarcoat reality. We're facing unprecedented geopolitical chaos:

• Trade wars erupting

• Allies left hanging

• America turning inward

This shift is sending money FLOODING from US stocks to international markets. Add in an overheated market and Americans drowning in credit debt, and we've got ourselves a mess with no easy exit.

THE NUMBERS DON'T LIE

Year-to-date performance:

• $VTI ( ▼ 0.59% ) (US Stock Market): DOWN 4.72%

• $VXUS ( ▲ 0.33% ) S (International Stock Market): UP 6.12%

• $BND ( ▲ 0.15% ) (Bonds): UP 1.95%

Single stocks? Even worse. NVIDIA down 22.65%. Bitcoin down 15.56%.

This is why we ALWAYS preach the same strategy: long-term, passive investing across three simple funds (or equivalents):

• VTI (US Stock Market)

• VXUS (International Stock Market)

• BND (Bonds)

WHAT SHOULD YOU DO?

If you're contributing to investments: You're buying at a DISCOUNT. Keep going.

If you're retired: Stay the course. Don't panic.

If you're gambling on single stocks or crypto: Buckle up for a wild ride. This is why we recommend limiting speculation to less than 10% of your portfolio.

And me? I'm doing NOTHING. My portfolio splits between these three fund types, and I don't need to obsessively check balances. This is normal market behavior.

HARD TRUTH: THIS ISN'T OVER

Will the market drop further? Most likely YES.

The past five years gave us 20% returns when 7-10% is normal. That correction is coming due.

For new investors experiencing this for the first time – what worked in the bull market might not work now.

YOUR ACTION PLAN

1. DON'T REBALANCE YET - It's not the time for most people

2. KEEP DOLLAR-COST AVERAGING - Lower your cost basis

3. BUY IN STAGES:

   • Some now

   • Some when you think we've hit bottom

   • Some on the upswing

Remember: NO ONE knows exactly what will happen. Not me, not Wall Street "experts," not your brother-in-law who claims he timed the last crash perfectly.

The only certainty? Markets ALWAYS rise in the long run.

NEED BACKUP?

If you're feeling shaky or want expert eyes on your strategy during these uncertain times, don't face it alone.

BOOK YOUR BLACK MAMMOTH POWER HOUR

For $250, get the clarity and confidence you need to weather this storm and emerge stronger.

Because real wealth isn't built in calm seas – it's built by those brave enough to navigate the storm.