---
title: Adaptability and Resilience in Markets
description: "When You Get Knocked Down: Wrestling, Markets, and the Power of Adaptability"
image: https://www.memberswealthllc.com/hubfs/Background%20image%20with%20financial%20charts%20and%20graphs%20on%20the%20table.jpeg
---
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# When You Get Knocked Down: Wrestling, Markets, and the Power of Adaptability
by [**Dane Czaplicki**](https://www.memberswealthllc.com/insights/author/dane-czaplicki) on Dec 08, 2025
This weekend, for the first time this season, Kai stepped onto the wrestling mat with the kind of grit that only a kid chasing progress can show. BOOM. Wrestling is brutally honest. One moment you’re on your feet; the next you’re staring at the lights, wondering how you got there. She started strong and finished strong, in the middle…a lesson.
What matters most isn’t the winning; it’s showing up, learning, evolving, and staying around for your adaptations to pay future dividends.
Markets work the same way. Headlines flip from optimism to anxiety in a matter of hours, and investors often react to the *emotion* of the moment rather than the underlying trend. What we’ve seen in the fourth quarter is a perfect example: volatility early on, followed by renewed momentum as we head into December.
Now some call this the Santa Claus rally. For non- Santa believers that no longer “hear the bell” they may simply recognize the mechanics—fewer sellers, deferred tax decisions, and some folks buying more of what’s winning.
But beneath the surface, it’s more a combination of belief and resilience.
**Momentum Meets Reality: What to Watch into Year-End**
From a macro perspective, in my opinion, two forces are worth tracking as we move towards the close of 2025:
1. **Interest Rates at a Crossroads**
The 10-year Treasury continues to show stubbornness. Markets have been bouncing within a defined channel, and the longer a pattern holds, the more significant the eventual breakout—up or down. No prediction here, just awareness: prolonged compression often precedes meaningful movement.
We know what market participants seem to think they want: lower rates. But will Santa deliver on lower rates or will 2026 just bring more coal? I for one am not sold on rates going lower. At least not without further centralized manipulation by the US Federal Reserve of the yield curve. But I could be wrong. It has happened before. Thus, we remain staggered in our time horizons in our bond portfolios for clients.
1. **Employment and Adaptation**
[Jobs data remains key](https://www.cnbc.com/2025/12/03/adp-jobs-report-november-2025-private-payrolls-unexpectedly-fell-by-32000-.html). The question isn't just *how many* jobs—but *what kind* of jobs—and whether labor markets can adapt to the rapid shifts brought on by technology and AI. A generation of young professionals could find themselves lagging economically if the early years of their careers don’t sync with [where the economy is heading](https://www.cnbc.com/2025/12/08/how-recent-grads-are-dealing-with-the-shrinking-pool-of-entry-level-jobs.html?&qsearchterm=jobs%20report). That matters for long-term consumption, household formation, and investment behavior.
1. **Housing & Consumption**
Real estate prices remain “steady to slightly soft” in many areas, while holiday spending looks strong among those participating in the market rally. That bifurcation: soft spots in housing, strength in discretionary spending by higher-end spenders, often appears late in cycles.
None of this is doom or euphoria. It’s context. And all related. Less jobs means less demand from an increasing pool of people. Less demand means pressure on real estate prices which is, for many folks, their largest asset. This tends to lead to more cries for lower rates, but with the Fed typically mainly focused on the short end of the curve, relief seems to be tempered and we all sit wondering if the Fed will do more but then all scratch our heads if more that results in more inflation, which we do not necessarily want either. And on and on.
**A Quick Risk Check Before Year-End**
At Members' Wealth, we constantly remind clients that *risk exposure drifts*. Strong markets push allocations above target. If you haven’t rebalanced in a while, now may be the time to revisit whether your portfolio reflects:
- your **current** goals,
- your **current** liquidity needs, and
- your **current** capacity and willingness to take risk.
Your target from 12–18 months ago may not be your target today.
This is where liquidity matters most. Investors earning $300,000 per year with several million in short-term reserves often have a decade of liquidity without needing to touch equities. Whether that residual portfolio is 50/50, 70/30, or even 90/10 depends more on purpose—legacy, philanthropy, long-term growth—than age alone.
Contrary to popular belief, risk tolerance does not always decline with age. Experience sometimes *increases* an investor’s comfort with volatility, provided they have adequate liquidity and context.
**A Wrestling Lesson for Investors**
This weekend, Kai faced competitors with big records—and others with no record at all. Any coach will tell you it’s often the unknown no-record freshman who comes in with one big move, one headlock, and suddenly the match flips.
Markets do the same thing.
You don’t always get taken down by what you expect.
But here’s the truth: if you’ve trained, if you’ve prepared, if you’ve built discipline—you’re harder to pin. You get up faster. You adapt. Or you lose the one match and come back stronger for the next.
Investing early isn’t just a story about compounding. It builds *emotional muscle memory*. It teaches you what an investment headlock feels like so you don’t panic the next time.
That’s one of the reasons why disciplined investors often become *more* confident with risk as they mature—not less.
**The Takeaway**
As we approach year-end, here’s the mindset I want you to carry:
- **Volatility is not failure.** It’s part of the match.
- **Momentum is not a guarantee.** It’s just the current direction of travel.
- **Discipline is your advantage.** Markets reward consistency over reaction.
- **Liquidity buys time.** Time is what allows compounding to work.
Just like Kai, the question is never whether you get taken down.
It’s whether you get back up—and whether you keep stepping onto the mat.
If you’d like to review your allocation, risk levels, or liquidity positioning heading into 2026, let’s talk. It’s a good time to revisit the plan. Schedule a meeting with members wealth on [memberswealthllc.com](https://www.memberswealthllc.com/contact-us).
\[i\] https://www.cnbc.com/2025/12/03/adp-jobs-report-november-2025-private-payrolls-unexpectedly-fell-by-32000-.html
[\[ii\]](https://www.memberswealthllc.com/insights/when-you-get-knocked-down-wrestling-markets-and-the-power-of-adaptability#_ednref2) https://www.cnbc.com/2025/12/08/how-recent-grads-are-dealing-with-the-shrinking-pool-of-entry-level-jobs.html?&qsearchterm=jobs%20report
*Investment strategies, including rebalancing, do not guarantee improved performance and involve risk, including potential loss of principal. Past performance does not guarantee future results.*
*The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon.
All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.*
### **About the Author**
### **Dane Czaplicki, CFA®**
[Dane Czaplicki](https://www.memberswealthllc.com/dane-czaplicki) is CEO of Members’ Wealth, a boutique wealth management firm that offers a comprehensive approach to serving individuals, families, business owners, and institutions. The firm’s goal is to preserve and grow its clients’ wealth to endure over time, while thoughtfully evolving its strategy to suit an ever-changing world. With over 20 years of wealth management experience, Dane and the Members' Wealth team thrive on bringing clarity and confidence to clients' unique situations. He believes everyone needs sound financial advice from someone whose interests are aligned with theirs, and is determined to put service before all else.
Dane received his MBA from The Wharton School of Business at the University of Pennsylvania and his bachelor’s degree from Bloomsburg University. Outside work, he enjoys spending time with his wife and kids, hiking and camping, reading, running, and playing with his dog. To learn more about Dane, connect with him on [LinkedIn](https://www.linkedin.com/in/danecfa/).
To get in touch with the Members’ Wealth team today, I invite you to email [info@memberswealthllc.com](mailto:info@memberswealthllc.com) or call (267) 367-5453.
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*Members’ Wealth does not provide legal, accounting or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.*
*This commentary reflects the personal opinions, viewpoints and analyses of the Members’ Wealth, LLC employees providing such comments, and should not be regarded as a description of advisory services provided by Members’ Wealth, LLC or performance returns of any Members’ Wealth, LLC client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Members’ Wealth, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results*
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