one of worst housing bubbles ever seen, page-25

"bad decisions" are almost universally made or related to financial outcomes.
Especially on HC. $ and sense.

Everyone has a 1 or 2 moments in life that are life changing, the tide that takes man to feast or famine.

Mental resilience is the number one factor in determining the outcome imo.

Over confidence can kill, but being paralyzed by fear of the unknown is even more debilitating on many more levels.