Every desirable outcome has a price, and the price is often not written on the label. High returns tend to come with volatility. Independence tends to come with the discipline of saving. Opportunity tends to come with uncertainty. Success tends to come with stretches where you look wrong.
Most people want the reward without the fee. They want the outcome without the discomfort, the status without the stress, the return without the drawdown, the freedom without the restraint. Then they blame the strategy when the bill arrives.
The better approach is honesty: identify the cost in advance and decide whether you’re willing to pay it. If you aren’t, pick a different strategy. If you are, stop acting surprised when the price shows up.
Nothing’s free is not pessimism. It’s clarity. It’s choosing what you can endure so your plan doesn’t collapse when endurance is required.