“The big money is not in the buying and selling, but in the waiting.” Charlie Munger, Value Investor and former Vice Chairman of Berkshire Hathaway   What a year it has already been. Between nonstop headlines, political controversies, and market volatility, it feels like we’ve already packed a year's worth of developments into little more than a month.   In times like this, our first instinct is not to react, but to slow things down.   Volatility does not invalidate a discipl