Most people who start investing in January quit by March. The speaker traces this "February fade" through a month-by-month collapse: enthusiasm in January, excuses by early February, cancelled automations by month's end. About 80% of new-year investors drop off, a problem of system design, not willpower.
Chapters
Here's what happens to most people who start investing in January. January 1st to the 15th, they're excited, they're motivated. New year, new me. They open their account, they make their first investment, and they're feeling like a complete badass, right? They might even post about it on social telling everyone, this is my year. January 16th to the 31st, still going strong. Second investment made, automation set up, feeling good. February 1st to the 15th, life gets busy. The new year, new energy starts to fade. They start skipping checking the account, forget about their goals, start making excuses. By the end of February, the 16th through the 28th, they haven't even thought about investing, right? In weeks, they consider maybe even turning off their automation, or they'll say, hey, I'll get back to it next month, and basically just start justifying why you should pause. By March 1st, completely forgot about investing, automations canceled, back to old habits, resolution failed. This is called the February fade, and it happens to 80% of people who start anything in January. It's not a willpower problem. It's not a motivation problem. It's a system problem.