The "four pillars of investing" concept is relevant now as global PMI data surpass expectations at 54.1, suggesting stronger economic resilience. That supports an overweight in cyclical equities, yet high CAPE ratios signal caution. Short-duration bonds provide a hedge against a potential late-2024 rate cut. Sachel Torres, 28, and her two children, ages 5 and 10, used to live in a three-bedroom in Hunting Park , and paid $1,250 a month. The family recently moved into a new affordable housing unit in Norris Square and now pays just $1,000 a month for the same-sized housing in a nicer neighborhood. Small-cap valuation multiples have fallen to 15-year lows, and the "four pillars of investing" allocation strategy suggests tactical exposure. Russell 2000’s P/B ratio around 1.1x offers deep-value opportunities relative to historical averages. The "four pillars of investing" approach advocates rebalancing on market momentum shifts, as sector rotation data shows capital flowing from financials to tech. Q3 banking sector earnings revisions are trending –3.5%, warranting profit-taking.