When market volatility shakes our confidence and headlines scream uncertainty, I remind people that the real risk isn't the ups and downs-it's our reaction to them. In 2025, amid escalating global trade tensions, steep tariffs, stubborn inflation and a government shutdown, we've witnessed wave after wave of turbulence. Yet from decades in financial services, I've learned a simple truth: Your biggest risk isn't market volatility - it's how you respond to it. Rather than be reactive and try to time the market, it's important to stay the course.