Latest news with #wealthcreation
News.com.au
3 days ago
- Business
- News.com.au
Perth mum reveals how her maternity leave sparked her wealth transformation
A young mum was on maternity leave when she realised she had no assets to leave her newborn son if anything were to happen to her. Michelle Rule had her son in 2015. At the time, she wasn't in a bad financial position; she and her husband ran a successful enough IT business and were steadily paying off their mortgage on a home in Perth. 'Wealth creation was never something I was interested in,' she told 'I grew up thinking money wasn't important but, after I had our first child, I was sitting around thinking about his future, and I had no assets to leave him.' Despite running a profitable business, they had minimal super, just $50,000 in equity in their home and had only cleared $30,000 in personal debt a few years earlier. Ms Rule felt a growing sense of panic. She had never been money orientated and was worried she had fallen too far behind to ever catch-up. 'I had overlooked this thing called wealth and I really needed to figure out how to set myself up,' she said. Even though she had managed to get into the property market and was certainly not experiencing any severe financial stress, she also had no financial plan beyond the day-to-day stuff. 'We had some cash flow coming through the business but we weren't very good at saving money,' she said. Becoming a mum made Ms Rule realise that she wanted to amass wealth beyond just living comfortably day-to-day. The couple decided they needed to invest to get ahead and wanted to buy some investment properties to help achieve their goals. They were able to pull some cash together because they had equity in their primary residence and purchased two homes in Queensland in 2016. It was 'challenging' because they were securing mortgages off a business, which can be harder, but they managed to get approval. 'We didn't know what we were doing,' she said. 'We just thought anything was better than what we had, which was nearly nothing.' The pair purchased the two homes in suburbs they considered 'up and coming', with both houses costing around $400,000 each. 'Everyone said it was crazy to get into debt, the property market was going to crash and people were saying prices were too high,' she said. However, the now 41-year-old went against what everyone was saying and the couple 'borrowed as much' as they could. Both those homes are now worth between $800,000 and $900,000 and have doubled in value in just over a decade. It was a gutsy move, but Ms Rule made it because she believed that if she didn't take an educated risk, she wouldn't build wealth. 'I don't believe with the influx of people we get into Australia (house) prices are ever going to drop,' she said. The couple have since bought another property in Perth and another in Queensland, now becoming renters themselves while owning a total of five properties. 'We rent where we live and we made that choice a decade ago to use all our borrowing power to go to investment properties,' she said. Ms Rule said she thinks being a tenant herself has made her a better landlord because she understands what people need. 'We are tenants as well and I like to think we're good tenants, and at the same time, I like to think we are good landlords,' she said. 'We let people have pets, paint walls and treat the homes as their own and we always come in at fair market rate.' Their properties now come to just under $5 million in total asset value and the business is worth over $2 million. Ms Rule said that, in property, the couple now has just under $5 million in total asset value, and the business is also worth over $2 million. They also have shares, superannuation, and some Bitcoin. Altogether, she estimates their combined wealth to be at $7 million, but they also owe around $2 million in mortgages. 'It feels surreal. I never saw myself as someone that desired wealth but it became about freedom and choice,' she said. Ms Rule explained that she doesn't have to trade her time for money and she can make the right choices for her family because of the financial freedom. 'It makes me feel like I've got options,' she said. The fact that amassing wealth has significantly improved her quality of life has inspired her to become a mentor and coach to other women. 'Women come to tell me and say they are not good with money, but I don't believe they're not good with money,' she said. Ms Rule argued that, in general, the truth is that they just haven't created a strategy around their money. She wants to help other women 'exit the whole pay-cheque to pay-cheque stress' that plagues so many families. What she loves most about being a millionaire isn't being able to buy fancy thing but rather the freedom, and she thinks everyone deserves that. 'I was still a happy person when I didn't have wealth behind me and I had meaning in my life but I also couldn't take holidays,' she said. 'I would say, (amassing wealth) has allowed me to really live a life that feels good and I can spend my time the way I want too.'
Yahoo
20-07-2025
- Business
- Yahoo
A self-made millionaire explains how to make money in an 'exponential way': Use one-to-infinity leverage
Rose Han paid off six figures in debt before building a seven-figure net worth. Her income escalated when she built a business that tapped into 'one-to-infinity' leverage. Anyone can use this strategy. It starts with asking yourself: What value can I provide? Rose Han, like many, learned to earn money linearly — hour by hour, paycheck by paycheck. For years, she traded her time for money in her corporate job. She made good money, enough to start tackling her six-figure student loan debt and invest in the stock market. But it wasn't until she tapped into the idea of "leveraged income" that her income soared and pushed her net worth over the seven-figure mark. "That's a completely different mentality that we don't learn in school," Han, who runs a financial literacy company, told Business Insider, but it's a powerful one. "Leverage is the explanation behind any significant wealth creation, no matter who you look at." Different levels of leverage and why you want 'one-to-infinity' To break down the concept of leveraged income, Han uses the example of a fitness trainer. She explained that if they're working one-on-one with a client, there's no leverage: "You show up, trade hours for dollars, and you get paid." But if they start a group fitness class and can train multiple clients at once, that's what she calls "one-to-many leverage," and their earnings go up without having to work more hours. "Now they're serving 10 people at once and therefore making about 10 times more." The final level, "one-to-infinity leverage," can create life-changing wealth. This is when the trainer builds an app with weekly workouts and a meal plan feature, for example. "They could create that app once, and millions of people around the world can subscribe," said Han. "That concept really was the key that I unlocked." She didn't get to one-to-infinity leverage overnight. Her business began in the basement of a coworking space, where she hosted free personal finance classes based on her own experience paying down debt and using index funds to grow her net worth. "I was just learning a lot on my financial awakening journey, so I wanted to share it," she said. "In the back of my mind, I thought, 'OK, maybe there's some way I could make this lucrative,' but that's not the goal." She hosted free classes for nearly two years, until she gained the confidence to start charging. Then, instead of keeping the class within the coworking space, she decided to move to YouTube, where her reach would be far greater. "The idea that a video could reach millions of people, 24/7, for the rest of my life and even after, that was really just wild to me," said Han. "I was skeptical because I'd never gone on camera. It was scary. But, after about a year and a half of doing these free meetups, I got the courage to press record and post my first video." Her YouTube channel, which has nearly one million subscribers, has evolved into a financial education company that earns money through online courses, brand deals, affiliate links, and book sales. She launched her first online course in 2020. It brought in $160,000 "in a matter of days," she said. "I made in seven days what used to take me an entire year to make. Granted, I worked a lot to create that course, and it didn't just happen in seven days, but I created something once that I could sell over and over and over and serve a lot of people. I created a lot of value with something, and so I got paid in that exponential way." How to apply the one-to-infinity mindset To use the one-to-infinity model and earn exponentially, start by asking: What value can I provide? "I fully believe that the more value you provide, the more you can earn," said Han. "And, if you think creatively enough, there's no limit to how much value you can provide and therefore how much money you can earn." The big holdup for her was confidence, and convincing herself that she was providing something valuable enough to get paid for. "I think this is the challenge for most people. They think, 'Oh, I should make more money. I need to ask for a raise and get a higher-paying career.' But their first obstacle is thinking, 'Who am I to do that? I don't have the skills. I don't have anything of value to provide.' That sort of mindset of, 'I'm not capable.'" Han overcame that mindset by taking action — by hosting the free meet-ups and getting real-world feedback that her money lessons were helping people. "Know that you have the ability within you to create a lot of value for the world and therefore generate a lot of money that's like within your control," she said. "You just have to find the confidence." Read the original article on Business Insider Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Associated Press
06-07-2025
- Business
- Associated Press
Bitcoin Solaris Enters Final Phase of Presale Ahead of Mobile Mining App Launch
TALLINN, Estonia, July 06, 2025 (GLOBE NEWSWIRE) -- When you hear 'Bitcoin 2.0,' your first instinct might be to roll your eyes and think, 'Here we go again.' But once you dig past the noise, Bitcoin Solaris (BTC-S) emerges with something most imitators lack: a powerful technical backbone, a wealth-building strategy for the everyday user, and a clear roadmap to actual utility. As altcoin chatter and speculative memecoins begin to fade, the spotlight is shifting toward something with more meat on the bone. That something is Bitcoin Solaris. The Next Generation of Wealth Creation What's fueling the hype around Bitcoin Solaris is more than a name. This project is designed from the ground up to empower individuals to build real financial momentum. Instead of betting on token prices alone, BTC-S is offering an ecosystem where users can earn, transact, and contribute meaningfully. Its mobile-first mining solution is already getting crypto circles buzzing. Through the exciting release of the upcoming Solaris Nova app, users will be able to mine BTC-S directly from their smartphones, bringing decentralized rewards into the palms of over 6 billion mobile users worldwide. Whether you're in a coffee shop or on a bus, your device could be earning for you. But mining is only part of the equation. Bitcoin Solaris doesn't just reward presence, it rewards performance. The rewards distribution system accounts for: This isn't just mining, it's intelligent participation. The kind that turns casual users into long-term holders. The Tech That Powers the Surge Let's talk power. Bitcoin Solaris runs on a unique hybrid consensus model that combines Proof-of-Work (PoW) with Delegated Proof-of-Stake (DPoS), operating across a dual-layer architecture. It's a bit like driving a racecar and piloting a drone at the same time. In short, this thing flies. And it does so without sacrificing decentralization or security. It even implements zero-knowledge proofs for added privacy, and a multi-layered defense against both 51% and long-range attacks. It's no surprise then that many crypto veterans are calling it one of the most technically complete projects of the year. Audited and Backed by the Community Bitcoin Solaris has passed two comprehensive smart contract audits. The first by Cyberscope and the second by Freshcoins, both of which confirmed the strength and integrity of BTC-S's core codebase. Community conversations on Telegram and X continue to grow daily. With over 13,650 unique users already onboarded and more pouring in, this is no quiet presale. Crypto Show recently released a detailed review covering why so many enthusiasts are paying attention. From mobile mining to on-chain scalability, the breakdown highlights just how massive the upside potential really is. Presale Momentum Builds Toward a $20 Launch We're now entering the final sprint. Bitcoin Solaris is in the last few hours of Phase 10 of its limited 90-day presale. Here's what you need to know: This is shaping up to be one of the fastest-growing and most explosive presales of 2025. With only around 4 weeks left, the clock is ticking. Investors are eyeing a 150% return right at launch, with many seeing this as a chance to ride the next big Bitcoin-like wave. This Is the Mobile-First Wealth Engine Crypto Promised You To receive your tokens on launch day, Bitcoin Solaris recommends using Trust Wallet or Metamask for seamless token delivery. Real-World Utility Across Every Sector BTC-S isn't just fast, it's functional. The ecosystem supports a wide range of smart contract applications written in Rust and built initially using Solana's programming tools. These include: And that's only scratching the surface. The infrastructure is built to scale across industries, use cases, and devices without bottlenecks. If you're curious about mining potential, check the estimated earnings through the Bitcoin Solaris mining calculator. Final Verdict Bitcoin Solaris is designed to deliver a scalable, accessible, and rewarding blockchain experience for real users. With strong technical foundations and a focus on usability, it offers a comprehensive solution for long-term participation and growth. As the presale enters its final phases, early supporters have a unique opportunity to join a rapidly growing ecosystem before launch. The momentum is building—and this could be a defining moment for those seeking meaningful involvement in the next wave of blockchain innovation. For more information on Bitcoin Solaris: Media Contact: Xander Levine [email protected] Press Kit: Available upon request Disclaimer:This content is provided by Bitcoin Solaris. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information do not guarantee any claims, statements, or promises made in this content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. 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Arabian Business
26-06-2025
- Business
- Arabian Business
UAE residents need nearly $1,800 monthly to become millionaires in 10 years, financial experts reveal
The UAE's wealth creation ecosystem has produced some of the world's fastest-growing millionaire population, with specific strategies emerging for building seven-figure wealth. Anchored by zero personal income tax, 100 per cent foreign ownership rules, and $817 billion in non-oil trade, the nation has transformed into a magnet for entrepreneurs, investors, and high-net-worth individuals (HNWIs) seeking to drive their way to millionaire status But, how much can one build and save to hit AED1 million in the UAE? Step 1: Make a 'boring' UAE savings plan which can be automated 'The fastest path to AED1 million is a mix of clarity on your financial habits, consistency with investing, and the power of compound growth,' Carol Glynn – Chartered Accountant, Coach, and the founder of Conscious Finance Coaching – told Arabian Business. 'Start by tracking your spending and setting a clear savings and investment target. Avoid leaving large amounts of cash sitting idle, losing value in a low or no interest account. Instead, channel your surplus cash into diversified investments such as global ETFs, which offer long-term growth with relatively low fees while keeping short-term goals in high-interest savings accounts,' she said, adding that the UAE's lack of income tax provides the great advantage of your gross income being your net income. 'Use that advantage wisely but be very careful of 'get rich quick schemes' or investments that make big promises that seem too good to be true – that is the fastest way to prevent you becoming a millionaire,' Glynn added. Echoing the sentiment, Dubai-based UK FCA-registered financial expert, money coach and industry leader Mike Coady explained the best way to hit AED1 million in the UAE is to make a 'boring' plan which can be automated. 'Start by automating your savings into a globally diversified investment portfolio. Set it and forget it. Don't park your cash in a local bank hoping interest rates will grow it. Don't chase high-risk crypto trends on Reddit. And don't wait for the 'right time' to invest, because time in the market is always better than trying to time it. You need a structure: monthly investing, diversified assets, and professional guidance,' he said, adding that while the tools exist in the UAE, the 'problem is that most people don't use them.' So, if you are starting out to save and build your wealth, Coady suggest the following: Invest AED 10,000 per month at an average of 7% per year, and you'll hit AED 1 million in around 6 years and 10 months. If you invest AED 5,000 per month under the same conditions, it'll take you roughly 10.5 years. 'This depends on your timeline and return assumptions,' he said, adding that consistency is 'everything.' 'You're not trying to beat the market, you're trying to beat your past habits. Every year you wait, the target gets further away. You should aim to invest at least 20–30 per cent of your monthly income if you're serious about wealth creation in this region. Anything less, and you're just treading water,' he said. Coady explained that the UAE becomes a goldmine, 'if you use it right.' 'A Brit earning AED60,000 a month is saving nearly AED20,000 in taxes compared to working in the UK. That's nearly AED240,000 a year in potential investment capital. Most residents absorb that into their lifestyle. Smart residents invest it. If you pretend that 'tax saving' is untouchable and treat it as an automatic investment, you'll reach your goals in half the time,' he said. Step 2: But, where do I invest? According to Glynn, the UAE 'offers a unique opportunity – no tax on capital gains or dividends,' which makes global investments more appealing. These include: Irish-domiciled ETFs (for tax efficiency and access to global markets) Dubai/UAE REITs if you're seeking real estate exposure with liquidity High-yield savings accounts for short-term savings 'Steer clear of anything you don't fully understand – if it sounds too good to be true, it usually is,' she said. As for side hustles and extra income streams, Glynn said that it depends on current income and savings ability. 'Employment incomes can be capped but your potential isn't so if you are entrepreneurial, then having multiple sources of income is a great idea,' she said, adding that multiple income streams also 'creates resilience' during recession or unforeseen job losses. 'Diversification of income is always a good idea. If your main income is disrupted, you have a fallback. Research show the average millionaire has 7 sources of income,' she said. Other wealth building platforms, according to Coady, include: Low-cost index funds: Trackers like the S&P 500 or MSCI offer simplicity and scale. Discretionary portfolios: Professionally managed strategies tailored to risk appetite. Pension wrappers and tax-efficient structures: Especially important for expats who need to protect and future-proof their money. 'Your goal should be to build an investment ecosystem, not a random collection of assets. Don't gamble with your future, structure it,' he said. If you are also thinking of buying property to grow your money in the UAE, both experts advised this decision solely depends on individual goals, personal circumstances, a thorough understanding of the market and if it meets individual goals and risk appetite. 'For long-term residents, owning property can be a smart way to build wealth if you do your research. But remember a home is not an investment property, it is your home. UAE property markets have proven to be volatile in the past, so it's essential to understand location, developer reputation, service charges, and your own time horizon,' Glynn said, adding that if the goal is to invest for rental income, consider that it could be vacant at times, maintenance costs and fees. 'Property carries significant upfront costs but can be a good investment as part of a balanced planned out portfolio,' she said. Coady, on the other hand, said investing in property is a good way to grow money, however, it should be done with caution. 'Property has rebounded, and yields can be attractive. But ask yourself: Are you buying for rental income, capital growth, or personal use? Can you afford the costs of ownership (fees, maintenance, service charges)? Would this still make sense if you moved tomorrow? 'The UAE market is cyclical and sentiment driven. It can work and has worked but it's not the whole plan. A property strategy should complement your investment portfolio, not replace it,' he said. Step 3: Balance saving, investing, and enjoying life in the UAE So, how can residents balance saving, investing, and enjoying life in the UAE? 'Create a clear financial structure, be intentional with how you live and what you are willing to use your money for,' Glynn said, recommending the 50-30-20 rule. Applicable to almost all income groups, this savings rule follows a 3-step strategy: 50 percent of your income for needs 30 percent of your income for wants 20 percent of your income for savings 'This kind of conscious planning lets you enjoy life now while building for later. Guilt-free spending, which is much more fun, comes from knowing your essentials are covered and your future is taken care of,' she said, further recommending that residents must prioritise long-term wealth building by: Maximising automated monthly investments Allocating bonuses and windfalls toward your financial goals Avoiding high-interest debt and 'buy now, pay later' traps Understanding common money mistakes and pitfalls While building wealth in investments and savings, it is important to be aware of some common mistakes that could hinder the process. 'Build financial literacy,' Coady said, revealing some of the most expensive mistakes: Living beyond their means: High salaries create false confidence. People lease cars they can't afford and dine out daily, then wonder where their savings went. Overborrowing: Credit cards, car loans, and personal loans are handed out easily here. That doesn't mean you should take them. Saving but not investing: Inflation will erode your cash. Compound interest only works if you use it. Taking advice from unregulated sources: Friends, colleagues, and unlicensed 'advisers' can cost you more than you think. Other pitfalls include not keeping an emergency fund and not understanding and considering hidden fees. 'Work with regulated professionals. And treat your finances like your health, preventative care always beats crisis management. 'The average expat won't receive a pension, a state benefit, or a safety net when they leave the region. Understanding how to grow, protect, and access money isn't optional, it's a survival skill,' he advised. Recommended tools include: Apps: YNAB, Moneyhub, Plum Books: The Psychology of Money, Rich Dad Poor Dad, Simple Path to Wealth Professional support: Use regulated financial advisers, not keyboard warriors 'AED1 million is a checkpoint, not the summit. In fact, in 2025, it should be your minimum target if you plan to live a life of freedom and choice in the years ahead,' Coady said. 'Understanding money puts you more in control of your life, your life choices, and your future. Too many feel excluded from financial conversations because they've been taught money is 'too complicated'. It's not. Knowledge is power and in money, it's peace of mind too. 'Don't wait for the 'right time' to start saving or investing your savings, there is no one right time! Start small, stay consistent, and ask for support if you need it. You don't need to know everything, you just need to begin,' Glynn added. Echoing the sentiment, Coady said that being a millionaire in the UAE 'is not a pipe dream.' 'It's entirely achievable. But you need structure, patience, and the willingness to say 'no' to short-term gratification. The UAE is one of the best places in the world to build wealth, if you treat it as a launchpad, not a playground. If you're serious about taking that next step, seek professional advice, set a plan, and stick to it. Because the truth is: You don't become wealthy by accident. You become wealthy by decision,' he concluded.
Entrepreneur
25-06-2025
- Business
- Entrepreneur
Think You Need Millions to Buy a Business? Think Again.
How to build a fundless buyout strategy — a flexible path to long-term wealth creation. Opinions expressed by Entrepreneur contributors are their own. Most people assume that to succeed in private equity, you need to raise a multimillion-dollar fund first. But what if you could flip that script? A new generation of dealmakers is doing just that, acquiring and growing businesses without a traditional PE fund. This "fundless sponsor" model isn't just a workaround for those who can't raise capital. It's become one of the most agile and operator-friendly paths to long-term wealth creation. If you're a founder, operator or emerging investor, here's how you can scale like a private equity firm without ever raising a fund. Related: 10 Factors To Consider When Making An Acquisition What is a fundless sponsor? A fundless sponsor (also known as an independent sponsor) is someone who sources, negotiates and structures a business acquisition without having pre-committed capital from investors. Instead, they raise equity on a deal-by-deal basis. In simple terms, you find a good business to buy, lock in the terms with the seller and then bring in investors and lenders to finance the deal. This model has exploded in popularity, especially for deals in the lower middle market (companies with $1M–$10M EBITDA), where valuations are lower, sellers are more flexible, and larger funds typically don't play. Want to explore live deals? Platforms like Axial and MicroAcquire offer vetted deal flow for buyers. Why fundless is the new fund smart This strategy offers some unique advantages: No blind pool : Investors commit capital to specific deals they like. Faster to launch : You don't need a track record or institutional LPs, just hustle, judgment and one good deal. Alignment with investors : Equity backers get deal-level transparency and control. High upside for you: Fundless sponsors typically earn 10%-30% of profits (a "promote"), plus acquisition and management fees. It's not surprising that even experienced GPs are shifting toward this model. It allows them to stay lean, focus on execution and build trust with investors one win at a time. Anatomy of a fundless buyout Let's break down a basic deal structure: Target company : HVAC company doing $1.2M EBITDA, asking $4.8M (4x EBITDA) Financing plan : $3.2M in SBA/bank debt $1.6M in equity from investors Sponsor economics : 2% acquisition fee ($96K) 20% is promoted after investors get an 8% preferred return Potential management/monitoring fee Once the deal is done, you (as the sponsor) lead strategy, oversee operations and align incentives with your investors. You earn your upside by creating value, not by charging annual management fees like a fund. SBA loans are a common tool here, especially the 7(a) loan program, which allows you to borrow up to $5 million with as little as 10% down. Related: A Beginner's Guide to Private Equity Who are the investors? Fundless sponsors typically raise capital from: Family offices that want direct ownership in operating businesses High-net-worth individuals (HNWIs) who prefer cash-flowing deals over speculative VC bets Former operators looking for passive income and equity exposure Private credit and small-cap PE firms open to co-investments One big plus: These investors are often more collaborative and flexible than institutional LPs. But you must be ready to show them a clear plan for value creation and downside protection. What makes this work? Here are four factors that separate successful fundless sponsors from the rest: Relentless sourcing: You'll need to look at 50-100 businesses to find one worth pursuing. Build relationships with brokers, run cold outreach campaigns, and use your industry insight to find overlooked gems. Deal de-risking: Validate financing early. Soft-circle investors. Confirm that seller expectations are realistic before going deep. Operational playbook: You're not just a buyer, you're a builder. Have a 100-day plan post-close. Know how you'll grow revenue, improve margins or professionalize the team. Repeatable system: Your first deal is your track record. Document everything. Treat every step — outsourcing, diligence and investor communications — as a template for your next acquisition. Common pitfalls to avoid While the fundless model is accessible, it's not easy. Here are some common mistakes to sidestep: Overvaluing the deal : Don't fall in love with a business that doesn't pencil out. Keep discipline on price and debt terms. Underestimating operations : Buying is one thing, running a business (or managing a team that does) is a whole other challenge. Weak investor alignment: Choose equity partners who are patient, aligned with your vision and comfortable with the inherent risks. Remember: Raising money deal by deal is about trust and clarity. If you communicate clearly and deliver results, capital will follow. Related: What You Need to Know to Buy the Right Business and Acquire Your Empire When (and if) to raise a fund Many sponsors eventually raise funds, but not always. Only raise a fund when: You've closed a few successful deals You're bottlenecked by capital, not deal flow Your LPs ask for it You're ready for the admin, compliance and investor expectations that come with it Otherwise, staying fundless gives you flexibility and control. You can scale at your own pace and even build a portfolio of cash-flowing businesses before raising a dollar of committed capital. You don't need a $100 million fund to build wealth through private equity. You need a great deal, the right partners and a clear strategy to create value. Fundless buyouts are the entrepreneurial version of PE — scrappy, focused and aligned. In today's economy, where capital is cautious and execution matters more than ever, that may be the smartest strategy of all.
