October 2025 delivered a tale of two markets: U.S. equities powered to multiple record highs while Bitcoin suffered its worst October in a decade. The month saw the Federal Reserve cut rates again amid mounting concerns about labor market weakness, even as inflation remained stubbornly elevated at 3%. Gold continued its historic run with gains exceeding 3%, while a U.S.-China summit late in the month eased trade tensions and stabilized volatile markets.

September 2025 defied historical trends as markets delivered solid gains despite the month's traditionally bearish reputation. The S&P 500 climbed 3.53% while Bitcoin posted its best September performance in 13 years, signaling a shift in seasonal patterns as investors prepared for what's typically a strong fourth quarter.

I have spent most of my professional life in finance, first in London, later in Zurich, working in banking and wealth management. I have seen how money shapes lives, choices, and freedom. I also learned that true wealth is much more than numbers on a screen. It is confidence, patience, gratitude, and balance. Values that are not taught nearly enough.