December’s Crossroads: Discipline Under Pressure

DAILY CARD · SATURDAY

BrownBagBets Daily Card

December 20, 2025 · 6:30 AM ET

And so here we are — a familiar crossroads. December has not been kind, and after yesterday’s results the bankroll now sits at 71%. There’s no spin here. This is what a tough month looks like when you don’t hide from it. Losses compound faster than wins, and weekends like this test whether process is real or just something you talk about when things are going well.

What matters now is restraint, not retreat. We are staring at one of the heaviest slates of the year across football, basketball, and global soccer — and that does not mean bigger betting without reason. The process still works. Pattern Walks still matter. And discipline matters more now than it did at 90%. This is the moment systems are built for.

If you’re new here, BrownBagBets exists as a community for exactly this stretch — where transparency, learning, and shared accountability matter more than highlights. Our full framework lives inside the free Pattern Literacy PDF, available when you join the community. As always, this page may update again before kickoff as markets finalize.

December Performance Dashboard

MTD Record

75–86

Win Rate

47%

Month ROI

–15%

Bankroll

83% → 71%

By Sport: NFL 9–11 · NBA 9–16 · NHL 16–17 · NCAAB 28–28 · NCAAF 4–10 · EPL 6–3 · UCL 5–5
By Market: Spread 37–44 · Moneyline 17–24 · Totals 14–10 · Props 7–9
By Wager %: 7% 0–1 · 6% 1–1 · 5% 2–2 · 4% 14–15 · 3% 25–32 · 2% 32–39 · 1% 3–4

Yesterday’s Results · December 19

Kennesaw State +3.5 LOSS
Oklahoma ML LOSS
Tulsa -1.5 LOSS
Tulsa/WKU Over 155.5 WIN
UC Irvine -1.5 LOSS
Panthers ML WIN
Cavaliers -6.5 WIN

Today’s Plays · Saturday Slate

English Premier League

Chelsea at Newcastle United — Over 2.5 Goals 3%

West Ham United at Manchester City — Over 3.5 Goals 2%

Brentford at Wolverhampton — Brentford ML 4%

Liverpool at Tottenham — Liverpool ML 3%

Crystal Palace at Leeds United — Over 2.5 Goals 3%

NCAA Football

#10 Miami (FL) at #7 Texas A&M — Texas A&M ML 7%

#12 James Madison at #5 Oregon — Oregon -20.5 6%

NFL

Eagles at Commanders — Eagles -6.5 5%

Eagles at Commanders — Jalen Hurts Anytime TD 3%

Packers at Bears — Packers +2.5 4%

Packers at Bears — Kyle Monangai Over 45.5 Rush Yds 3%

NCAA Basketball

#22 St. John’s at Kentucky — St. John’s ML 5%

#8 Houston at #14 Arkansas — Houston -3.5 6%

Process FAQs

Why keep betting after drawdowns?

Because disciplined systems require full samples, not selective participation.

What is a Pattern Walk?

A step-by-step read of market movement, timing, and acceptance.

Why vary wager size?

Confidence comes from market clarity, not emotion or narrative.

How do you avoid chasing?

By locking exposure rules before results matter.

Where can I learn the full framework?

Inside the free Pattern Literacy PDF available to community members.