If you missed just the 10 best days in the market over the last 25 years, you would have cut your returns nearly in half. Miss the best 30 days, and you might as well have left the money in a money market. Miss the best 50 days, and you are actually losing money. That is the cost of a market myth. In this week's Money On Tap, Ben Brayshaw and Dan Michelon break down the most common — and most expensive — market myths that quietly erode investor wealth: "Sell in May and go away," "now is the wrong time to invest," "cash is safer than stocks," "investing is just legalized gambling," "more holdings means better diversification," "gold is a safe haven," "bonds are risk free," and more. With hard numbers, clear analogies, and three decades of planning experience between them, Ben and Dan sort fact from folklore — and lay out a disciplined, statistics-backed approach to growing and protecting your money. You will learn:

Why missing the market's best 10 days can cut your long-term returns in half
Why lump-sum investing beats dollar-cost averaging 67-75% of the time
How a $100,000 in cash since 1992 compares to the same $100,000 in the S&P 500
Why 2,900 holdings may actually be less diversified than 500
The truth about gold, bonds, and "safe" investments
How a $50-per-month investor can still build real wealth

Plus "Money In The News":

NAHB home builder sentiment drops to a 7-month low amid material, labor, and oil pressures
Trump Accounts sign up 5 million kids — with community sponsorship changing the game
March CPI surges 0.9% as the Iran conflict reshapes the inflation outlook

Resources & Links

Website: https://www.brayshawfinancial.com/
Money On Tap podcast hub: https://www.brayshawfinancial.com/money-on-tap
Full Money On Tap episode library: https://www.brayshawfinancial.com/money-on-tap-podcast-content
Read the companion blog: https://www.brayshawfinancial.com/blog
Our planning process: https://www.brayshawfinancial.com/our-process
Schedule a free consultation: https://www.brayshawfinancial.com/contact

Related Episodes:

Retirement distribution strategy: how to keep more of your income → https://www.brayshawfinancial.com/money-on-tap
The difference between accumulation and distribution → https://www.brayshawfinancial.com/money-on-tap
Tax-smart investing and why most investors overpay → https://www.brayshawfinancial.com/money-on-tap
How to vet a financial advisor (the questions that matter) → https://www.brayshawfinancial.com/money-on-tap

Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com

What is "Income Alpha" in retirement planning? Income Alpha is the additional retirement income an investor keeps by structuring withdrawals tax-efficiently — rather than by earning higher market returns. It comes from coordinating Roth conversions, RMD timing, Social Security taxation, charitable strategies like QCDs, IRMAA Medicare thresholds, and after-tax account placement. Done well, income alpha typically generates 15 to 30 percent more usable retirement income per year, without changing the underlying investments.