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- 06:47, 12 February 2026 Ellen-waltzman-financial-consultant3918 talk contribs created page Ellen Waltzman on Persistence, Worsening, and Uniformity (Created page with "<html><p> Money incentives rate only at the start. With time, the habits that look sluggish and average exceed the heroics. I discovered this by handling real portfolios with 3 economic downturns, two bubbles, a worldwide pandemic, and a thousand peaceful Tuesdays that never ever made headlines. The pattern repeats: patience is not the lack of activity, it is discipline applied over years. Trust beats strategies, consistency defeats brains, and the financiers that last a...")
