The speaker believes in mostly investing in the market and using small, random investments alongside. Their long-term strategy involves taking a loan against their portfolio if they need money for other ventures, instead of selling stocks and incurring taxable events. By using the portfolio as collateral, they can take a million dollar shot at investment and wait for the stock to recover over time, leveraging the low interest rates for the loan. This approach helped them withstand market downturns like during COVID without selling stocks.