The sharpest question I've heard from an SMSF caller this year wasn't about price. It was: "If this drops another 30% a couple of months after I buy in, what's going to stop me panic-selling?" That question is the whole game. Everyone asks what to buy and when to get in. Almost nobody asks how they'll behave on the day everything is red. The 2022 drawdown didn't wreck people because they bought the wrong coin. It wrecked them because they had no plan for that day. And the honest answer to her question isn't willpower. It's structure: rules written when you're calm, position sizes you can survive, a plan boring enough that there's nothing to panic about. Trustees running patient money tend to get this faster than the degens do. Getting in is a moment. Staying in is a system. Most people put all their energy into the first and none into the second.