September has been the market's grumpiest month since 1928. The S&P 500 averages a -1.1% loss, with gains only showing up 44% of the time. Best case? +14.4%. Worst? A brutal -29.9%.

History doesn't predict, but it does whisper. And right now it's saying: buckle up, stay calm, and remember that most wealth is built by surviving the bad months, not timing them.