Steve sits down with Nick Hopwood, CFP, founder and president of Peak Wealth Management, for another edition of No Lazy Money,  focused on discipline, planning, and real-world investing. They look back at Cisco finally hitting a new high more than 25 years after 2000, what the lost decade taught investors, and where money actually worked when the S&P 500 went nowhere. Hopwood also lays out what investors should do if the market drops 10% or more in 2026, weighs in on Ray Dalio joining Michael Dell, and delivers a critical reminder: this is the last call for 2025 tax planning, including QCDs, donor-advised funds, tax-loss harvesting, and Roth conversions. Visit PeakWM.com/Gruber for a free Social Security analysis. Stop letting your money get lazy!