Most people think of an obstacle as a "break" in their lives. Whether it’s a sudden health crisis, a collapsed business deal, or an unexpected layoff, we frequently misinterpret these events as the point of failure.

Most people think they’re doing well when they’re the best person in the room. The one who knows how to get things done without much friction.

For decades, the "American Dream" was a predictable formula: get a steady job, save your money, and buy a home. It wasn't easy, but the math worked. If you followed the rules, the system rewarded you with ownership.