Author: Terence Critchlow

People often use the terms saving and investing interchangeably. This creates real problems. When you treat fundamentally different concepts as the same thing, you make decisions based on faulty assumptions about risk, return, and control. Understanding the distinctions between saving, investing, and speculating is not academic. It is the foundation for building a portfolio that…

Through consulting calls and networking conversations with newer investors, one pattern emerges consistently. Many investors lack clarity about what they are looking for in a deal. Some pursue impossible deals: 30% IRR, 10% cash-on-cash returns, complete liquidity, and zero risk. These opportunities do not exist. If they did, institutional investors would jump on them before…