Whenever I get lost in the YouTube algorithm (I know it’s a waste of time), I inevitably encounter a video about geopolitics, finance, economics, or culture titled, “Why ‘This Person’ is Worried About ‘This Thing’.”

“This Person” is always someone considered an authority in their field, and “This Thing” is always their field’s crisis du jour. Here’s how it works (these are all made up, by the way).

Here’s the rule: to earn greater potential returns, you must accept greater volatility.

If anyone ever suggests they’ve broken it by way of knowledge, intellect, technology, research, or some fancy new product, run away. As fast as you can.

I’ll get to investing after this longer-than-usual introduction. I promise.

I became a Manchester United fan in the fall of 1998. I was eleven years old. My timing was impeccable. In 1999, they won the Treble, that’s the Premier League, FA Cup, and Champions League all in the same season. The second leg of their Champions League semi-final against Juventus remains one of the greatest sporting events I’ve ever watched.