They debate when to sell stocks and when patience pays off. They discuss selling after you reach your freedom number and when company fundamentals truly change. They cover lost competitive moats, rising permanent capital loss risk, and strict stop-loss or risk limits. They weigh opportunity cost against holding through macro pressures.
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volunteer_activism ADVICE
Don't Sell Until You Hit Your Freedom Number
Do avoid selling long-term positions unless you reached your freedom number.
Troy Millings warns that rising U.S. debt and declining dollar value make premature liquidation risky unless your target capital is met.
insights INSIGHT
High National Debt Raises Cost Of Cashing Out
Rising national debt and potential dollar depreciation increase the value of staying invested in productive assets.
Troy Millings cites U.S. debt projected to reach $64 trillion by 2036 as a structural reason to avoid heavy cashing out.
volunteer_activism ADVICE
Sell When Fundamentals Break Not Price
Do sell when a company's fundamentals change, not just its price.
Rashad Bilal points to PayPal's 89% decline as an example where fundamental deterioration and loss of competitive edge justify exiting.
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Sell a long term position when one of these is true:
You already hit your “freedom number.” If the goal is reached and you are locking in lifestyle security, reducing risk, or shifting into more stable assets, selling can make sense.
The fundamentals broke, not just the price. Revenue model changes, margins deteriorate, leadership issues, regulation, or the company loses its edge. If the business is no longer what you originally bought, it is not a “hold,” it is a new decision.
They lost their moat and fell out of the top tier. If they are no longer one or two in the space, and competitors are clearly winning, that is a real reason to exit.
Permanent capital loss risk is rising. Too much debt, weak balance sheet, dilution, shrinking market, or “hope” is the strategy.
Risk rules were violated. If you use a stop-loss or max drawdown rule (example: 25%), you follow it. A long term timeframe is not an excuse to ignore risk management.
Opportunity cost is too high. Even if it might recover, your money could work harder elsewhere in a stronger business or better trend.
In short: Do not sell just because you are scared or because the headlines are loud. Sell when the goal is met, the thesis changes, the moat is gone, or risk management demands it.
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