In this episode we tackle two topics that can impact investors as they seek to build long-term wealth. We first look at the idea of annual stock market forecasts. We talk about the challenges of predicting the market over the short-term, the importance of understanding base rates and how long-term investors should view forecasts. We also cover dollar cost averaging and the ways it can be both used and misused. We discuss why one use of dollar cost averaging is much more useful than the other and the ways investors with a lump sum of money to invest in the market can think about deploying it.