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Hey Reader!

Last week's newsletter was... interesting. I share a few details about my coaching call, my business aspirations, and my AFCC exam prep. I got real about the struggles. And then... I saw a spike in unsubscribes. Ouch. 💔

It's a gut punch, right?

You put yourself out there, you share your passion, and then... crickets (or worse, "goodbye"). It's easy to spiral into self-doubt. "Was it something I said? Was I too intense? Am I just not good enough?"

I'm learning a tough lesson: You can't please everyone.

Read that again.

You just can't.

And that's okay. Actually, it's more than okay; it's necessary. If you try to water yourself down to appeal to everyone, you end up appealing to no one.

It's a battle to fight through the mental and emotional noise, though. To quiet that inner critic and focus on the people who do resonate with your message, who do find value in what you share.

And that's why I'm writing this email. To shift my focus, to celebrate the wins, and to say THANK YOU to those of you who are still here, who are still tuning in, who are still part of this journey.

It's got me thinking about the past 3.5 years of Financially Fulfilled Physio. It's been a ride! So, I decided to take a little trip down memory lane and pull together my top 10 blogs. These are the ones that have resonated the most, sparked the most conversations, and (hopefully!) provided the most value:

Without any further delay, here are the top 10 most-read blogs I've written since the inception of Financially Fulfilled Physio in Sept 2021 👇🏽

1. ​How I Plan to Retire at Age 40​​
2. ​Canadian Taxes 101- What You Need to Know​
3. ​ETFs Explained: A Guide for Healthcare Professionals​
4. ​TFSA vs RRSP vs FHSA​
5. ​The Business and Real Estate Cycle​
6. ​How Much Money Do I Need to Retire?​
7. ​Unlock Extra Income: Top Side Hustles for Healthcare Professionals​
8. ​Mistakes to Avoid When Hiring a Financial Advisor​
9. ​Robin, You're Just a Physiotherapist​
10. ​Return on Time: The Most Crucial Financial Metric​

Looking at this list, I'm reminded of why I started FFP in the first place: to empower you, to equip you with the knowledge and tools you need to build a financially fulfilling life.

And that brings me to another milestone: This newsletter now reaches over 550 incredible healthcare and non-healthcare professionals every week. 🤯 That's 550 people who choose to spend a little bit of their precious time with me. That's 550 people who are committed to taking control of their finances and their futures.

To you, I say THANK YOU.

From the bottom of my heart.

Your support, your engagement, and your willingness to learn and grow inspire me every single day.

Now, let's talk about something that's been on my mind, and I know it's probably on yours too: the damn market.

Look, I'm not gonna sugarcoat it. The recent tariff announcements have thrown a wrench into things. The financial markets are having a full-blown meltdown, and it's enough to make anyone's head spin. It's like watching a bunch of toddlers 👶 in suits throwing a tantrum, and our retirement savings are the toys they're chucking around 🧸

It's easy to get caught up in the fear, to start second-guessing every investment decision you've ever made. But here's the cold, hard truth: market fluctuations are part of the game.

It's not a smooth ride, and anyone who tells you it is is selling you something.

We've seen these dips before, and we'll see them again.

It's cyclical, it's messy, and it's often driven by factors we can't control.

My approach?

Zoom out.

Way out.

Think about it like this: as healthcare professionals, we don't freak out every time a patient has a setback. We assess the situation, adjust the treatment plan, and focus on the long-term prognosis. We need to apply that same level-headedness to our investments.

Panic selling is almost always a bad move. It locks in your losses and turns a temporary dip into a permanent wound. If you've built a diversified portfolio based on sound principles, your best bet is usually to ride out the storm.

I'm not saying ignore what's happening. Stay informed, review your portfolio, and if you're feeling uneasy, talk to a financial advisor. But don't let short-term market volatility dictate your long-term financial strategy.

The market's gonna do its thing.

Our job is to stay disciplined, stay focused on our goals, and keep building a financially secure future, even if it feels like we're rowing against the tide.

Here's to many more years of FFP, and here's to surviving whatever the market throws our way.

Now, on a more personal note, I want to share something I did this week that might seem a little crazy to some, given the market volatility. I added to the largest position in my portfolio.

Yep, you heard that right. I doubled down.

Now, before you think I've completely lost my mind, let me explain. I have a long-term investment strategy. I believe in this asset, and I'm confident in its future. And while the market's having its tantrums, I see this as an opportunity to buy more at a lower price.

Here's a sneak peek at my portfolio (I've blurred out the company name, though – you'll have to join me on Blossom Social to see what it is 😉):

Why am I sharing this?
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​Not to brag, and certainly not to give financial advice. ​
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I'm sharing it to illustrate a point: investing is personal. It's about your goals, your risk tolerance, and your beliefs. And sometimes, it's about having the courage to go against the grain.

I'm not saying you should do what I'm doing. But I am saying that you should have a plan, stick to it, and don't let fear control your decisions.

Alright, that's enough from me for today. Go enjoy your Sunday, recharge, and get ready to crush another week.

Robin Valadares,

​@financiallyfulfilledphysio​

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