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I'm 41 and I'm really not planning to work until 60-some years old to retire.

And so I have retirement and I have investments that aren't retirement. And so I'm investing heavy right now.

And I feel like it's so overinflated at the moment. And being that I'm not completely out,

I have significant money in right now. Would it be wise to just collect 5% in the money market and wait

for a correction? I know you're more of a slow and steady, just keep putting it in every week,

but it just seems a little crazy right now. Yeah. Well, generally speaking, the reason it seems a little crazy is just the first time you have stood on top of that mountain.

If you'd stood on top of that mountain several different times, it wouldn't feel as crazy.

And so it's an emotion that says, I've never been here before.

And human nature, I think there's something about, you know, there's a black side of human nature, a dark side of human nature that says, oh, it can't stay good.

Nothing can stay good.

It's like if everything's good, I have to look over my shoulder.

Something must be wrong.

And that's human nature, but that's an emotion, Steve.

There's no data that says we're due for a correction.

If you had called me five years ago and I said, oh, yeah, yeah, we're getting ready to have a correction,

you would have missed out on a 90% rate of return. In the last five years

in the S&P 500, your money has doubled in the last five years. And so why do we not think

it's going to do that in the next five? Well, I mean, it goes up, it goes down. You know, in 22,

the market was down overall. In mean, it goes up, it goes down. In 22, the market was down overall.

In 23, it was up 27 percent. It's up 18 percent already this year. But that doesn't mean that it has to

correct because there's actual income and assets backing the companies that create the stock price.

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