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Thomas Choir’s investment philosophy is rooted in financial independence achieved at a young age—33 in his case—by leveraging compound interest and disciplined investing. His formative experience with family financial struggles motivated him to break the cycle through smart investing early on, while studying banking and finance.

Thomas champions dollar-cost averaging as a way to mitigate emotional biases and market timing pitfalls. By consistently investing a fixed amount regardless of market conditions, he ensures that his investment process remains disciplined, capturing opportunities during various phases of the market.