The $291,000 Investing Mistake Nobody Is Talking About

Here's my FREE Newsletter -https://cpa-money-mentor.kit.com/9d9f... This video highlights a significant "behavior gap" in investing, revealing the 8.5-point difference between S&P 500 returns and average investor returns in 2024. As a Canadian CPA and financial planner, I explain how this gap, often driven by investor psychology, leads to a lower return on investment for many. Understanding this phenomenon is crucial for effective personal finance management and smarter investing decisions in the stock market. CHAPTERS: 0:00 The $291,000 gap most investors never knew existed 1:50 What DALBAR is and what they actually measure 3:22 The three behaviours driving the gap 5:08 Why willpower won't fix this 6:26 What the gap costs in real dollars 8:07 The two structural fixes 9:25 Sarah vs. David: four decisions, half a million dollars 12:45 The 2025 surprise: why the data is finally shifting 💡 RELATED VIDEOS:    • Why You Lose Money in a Market Crash (Even...      • $300/Month Is All You Need To Build Real W...   [Link to personal finance playlist.    • Personal Finance  ] 📌 ABOUT THIS CHANNEL: I'm Toyin, a CPA and financial planner helping Canadians navigate retirement planning with clear, practical advice. Subscribe for weekly videos on Canadian personal finance, retirement strategies, tax planning, and wealth building. --- ⚠️ DISCLAIMER: I'm Toyin Okezie-Mba, a Chartered Professional Accountant (CPA, Ontario) and CFP® candidate. CPA Money Mentor is an educational channel for a Canadian audience — it is not financial, investment, tax, retirement, insurance, or legal advice, and watching it does not create a professional relationship between us. I'm not a registered investment adviser or dealer, and nothing here is a recommendation to buy, sell, or hold any specific security or product. Everything is general information based on Canadian rules at the time of recording. Laws and tax rules change, and the right answer for you depends on facts I don't know. Please consult a qualified professional licensed in your province before acting on anything you see here. When a video includes a sponsorship, paid partnership, or affiliate link, it will be clearly disclosed in the video and at the top of this description. Past performance never guarantees future results, and all investing carries risk of loss. For financial planning services, a separate written engagement with Steadypace Inc. (operating as CPA Money Mentor) is required. --- Sources: 📊 DALBAR Study Source: Full press releases and summaries of the 2025 and 2026 QAIB reports are available at https://www.dalbar.com/press-release/ --- © 2026 CPA Money Mentor. All rights reserved.