Opinions aren't a process.
I'm a regular investor with a day job, not a professional money manager. My work has always been turning messy processes into checklists and templates.
In 2022 I lost half my account and had to admit I didn't have a process. I had opinions. Last year I started asking AI about stocks and got confident answers I couldn't check. This year I built a process around it, with guardrails: a small AI research team where each AI has one job and a written rulebook it has to follow. Every number is sourced, every calculation is checked twice, and the downside is written down before I decide. One AI finds the facts, another checks the math, another argues the other side, and I make the call.