Stoic Money Reviews: Victoria's Journey

Hello Stoic Investors,

Today I want to share the story of Victoria — one of my students whose transformation really stuck with me.

Victoria is an esthetician.

She works at a spa, which means evenings, weekends, long shifts — in short, she’s very, very, very busy.

When we first met, her biggest struggle wasn’t just a lack of investment knowledge.

It was this belief she had built up over time:

"I’m never going to be able to retire."

Like many others in her position, she felt stuck.

She barely had time to rest, let alone manage a portfolio or study finance.

But here’s what changed everything for her:

We didn’t try to turn her into a full-time investor.

We created a simple long-term strategy that fits around her life — not the other way around — inspired by Charlie Munger’s timeless wisdom:

“The big money is not in the buying and the selling, but in the waiting.”

Here’s how we structured it:

• We built her strategy around a solid core of ETFs based on her goals, complemented by a few additional investments to give her portfolio more balance and potential.
• She made automatic contributions each month.
• Every week, she spent just 5–10 minutes reviewing her investments. If something meaningful had changed, like a shift in the market or one investment drifting too far from the plan, she’d rebalance or make a small adjustment. Then, she simply went back to waiting.

Now, just a few months later, Victoria sees things completely differently.

Where she once believed retirement was out of reach, she now feels confident that it’s not only possible:

It’s something she can actually plan for, even while balancing work and family life.

That’s the power of long-term investing done right.

It’s not about having lots of free time or being a finance expert.

With the right mindset and a simple, long-term strategy, even the busiest people can take control of their financial future — just like Victoria did!