@darlenewithladder: have nothing to do with a before & after 🥹 It’s the confidence, the discipline, the little promises I’ve kept to myself and watching things that once felt hard slowly become normal. These days, my Ladder workouts are about seeing what my body can do, not how small I can get 💪 @Ladder | Fitness App @Shelby Robins #StrengthTraining #GymMotivation #StrongerNotSmaller #positiveencouragement #CoachShelby

Darlene | Gym Consistency
Darlene | Gym Consistency
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Friday 11 September 2026 11:03:27 GMT
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darlenewithladder
Darlene | Gym Consistency :
What’s something the gym has given you that you can’t see
2026-09-11 11:05:15
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THE ONE-WAY DOORS The only four retirement decisions you can't undo I charge for this and I'm telling you not to pay for most of it Your advisor's portfolio predicts yours better than your own life does Reversible versus permanent, and why only one is worth paying for One flag before anyone asks, because it's the obvious comment. Yes, I sell financial planning. And the strongest research in this video makes advice look bad. That's not humility, it's just what the data says, and it's Canadian data, which is rare. Foerster, Linnainmaa, Melzer and Previtero got the administrative records of Canadian mutual fund dealers. Around ten thousand advisors, eight hundred thousand clients, $18.9 billion, 1999 to 2012. It ran in the Journal of Finance in 2017. Advised portfolios cost 2.6 percent a year. The average advised dollar earned about negative 3.34 percent net alpha. Then the part that isn't in the video. Client characteristics explained 12 percent of how a portfolio was built. Advisor fixed effects explained another 18. Your allocation is more a function of your advisor's taste than of your own circumstances. And a follow-up paper from the same group in 2021 looked at what those advisors held personally. Roughly the same expensive funds, roughly the same underperformance. Their words: many advisors recommend expensive portfolios because they are misguided rather than conflicted. So the question isn't advisor or no advisor. It's what specifically you're buying, and whether it's something you couldn't have done yourself. The CPP note, since somebody will ask. You can cancel a CPP retirement pension up to 12 months after it starts, but you have to repay every dollar you've received and the request has to be in writing. One shot. After that it's set. This is the map. Your accountant and your lawyer do the driving.
THE ONE-WAY DOORS The only four retirement decisions you can't undo I charge for this and I'm telling you not to pay for most of it Your advisor's portfolio predicts yours better than your own life does Reversible versus permanent, and why only one is worth paying for One flag before anyone asks, because it's the obvious comment. Yes, I sell financial planning. And the strongest research in this video makes advice look bad. That's not humility, it's just what the data says, and it's Canadian data, which is rare. Foerster, Linnainmaa, Melzer and Previtero got the administrative records of Canadian mutual fund dealers. Around ten thousand advisors, eight hundred thousand clients, $18.9 billion, 1999 to 2012. It ran in the Journal of Finance in 2017. Advised portfolios cost 2.6 percent a year. The average advised dollar earned about negative 3.34 percent net alpha. Then the part that isn't in the video. Client characteristics explained 12 percent of how a portfolio was built. Advisor fixed effects explained another 18. Your allocation is more a function of your advisor's taste than of your own circumstances. And a follow-up paper from the same group in 2021 looked at what those advisors held personally. Roughly the same expensive funds, roughly the same underperformance. Their words: many advisors recommend expensive portfolios because they are misguided rather than conflicted. So the question isn't advisor or no advisor. It's what specifically you're buying, and whether it's something you couldn't have done yourself. The CPP note, since somebody will ask. You can cancel a CPP retirement pension up to 12 months after it starts, but you have to repay every dollar you've received and the request has to be in writing. One shot. After that it's set. This is the map. Your accountant and your lawyer do the driving.

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