HIT Investments

US outperformance over international has run for 15 years. Before that, it ran for 12.

Both stretches felt permanent while we were in them.

Look at Dec-86 to Dec-88 and Dec-04 to Dec-08. International beat the US, then the pendulum swung back.

I bring this up because "US stocks always win" is a 15-year belief, not a law of markets. Cycles this long make us forget they're cycles.

We don't know when this one ends but we do know it will.

Learn. Build. Invest. @ The Stackers Club

The accredited investor rule was built to "protect" people from risk. Yet any adult can bet on sports or buy a lottery ticket.

If you don't hit an income or net worth threshold, the SEC says you can't invest in a startup, a private fund, or a real estate deal. Too risky. You need protecting.
But you can wager any amount you want on a coin flip disguised as a parlay. No income test. No net worth check. No cooling off period.

Look at how much Americans have legally wagered on sports each year:
2018: $6.6 billion
2019: $13.1 billion
2020: $21.5 billion
2021: $57.5 billion
2022: $93.7 billion
2023: $121 billion
2024: $149 billion
2025: $165 billion

That's a 25x increase in seven years. No accreditation required. No suitability review. Just an app and a credit card.

Meanwhile, the regulations tell a teacher, nurse, or waiter they're not sophisticated enough to put $500 into a vetted early-stage fund.

Are we protecting people from risk or the middle class from becoming rich?

Building wealth isn't about income, it's about behavior and choice.

When you spend less than you earn, reject debt, and invest, you build wealth.

It may be boring, but it works.