* Stickler footnote: real clients got graphs built from real data depending on their actual portfolio; this works with anything equity-based. I’d then often follow-up with other exciting graphs showing that if you look at investments every day, you’re as likely to see a loss as a gain, but that if you look over a decade, you’d only ever see a doubling in value. Depending on the blah blah blah… This, incidentally, was about as much numbers-based chat as any clients ever got from me. Financial-planning meeting minutes are valuable: they shouldn’t be wasted on numbers.