Are your financial decisions being driven by strategy or by emotion? In this episode, Gary Garland uses the concept of Pavlov’s dogs to explain how investor behavior can be triggered by headlines, fear, and hype. The conversation explores why reacting to market noise, timing trends, or following popular advice can lead to costly mistakes. Gary also breaks down key retirement decision points: from income strategies to market withdrawals, and why having a disciplined plan matters more than reacting in the moment. It’s a thoughtful look at how emotions like fear and greed can shape financial outcomes and how awareness can help keep decisions aligned with long-term goals.
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