It's another Q&A edition of Optimal Finance Daily, episode 1553.

And I'm your host and personal finance enthusiast, Diana Mariam.

We're going to change it up today and address some audience questions on the show.

But quick disclaimer, just like all the content shared here,

this is for informational and entertainment purposes only,

or infotainment, if you will.

I'm not a certified financial planner and encourage you to take my opinions with a grain of salt.

That being said, if you want to send a question in to be answered here on the show,

just send a message to Finance at oldpodcast.com.

But for now, let's get to today's questions and start optimizing your life.

Our first question is from Paul, who writes,

I came a bit late to the game at 37 years old and started investing last year.

I got in during a dip and invested a bit more with the March lows,

but I do foresee another crash coming.

Probably not while the market is stimulated,

but I cannot see all this money being printed lasting forever.

And with all the moratoriums on mortgages, that debt is just not going to go away.

I know Main Street is not Wall Street, but they are somewhat related.

I've also heard the old rule, time in the market beats timing the market,

and I know that it is never the case of this time it's different.

But I feel right now it is different.

And while my long-term strategy would not be to time the market,

...