Risk tolerance is a real thing. And I always thought that me buying Apple and holding Apple was like the most safe thing. You know, I entered the corporate world with when I was 20 in my 20s.

I said, why are you not millionaires?

This was the simplest strategy ever, just by Apple and by Microsoft and by Netflix and by

Amazon.

And they just didn't have the risk tolerance to do it.

When people are questioned, you know, when they ask me, you know, what's too heavy risk?

I always say, are you losing sleep at night?

Because my grandfather taught me if you lose sleep over an investment that you made, get out of the investment.

It's not worth it.

Because there's too many safe bets and specifically in today's world with ETFs.

Why would you lose sleep when you can just put your money into VOO or spy or one of those tools? And history has proven that,

you know, the eighth wonder of the world, compounding just works. Does the macro side of things

affect you in any which way?

Semi. I'm a bullet heart. I mean, you know, Tom Lee, the permable. I think I'm probably

right in hot, uh, the next in line behind him. But, and I think Josh Brown said it best.

He said all the analysts, you could just put, you know, in January, you can just say that the S&P will be up 8%.

And most of the time you're going to be right because that's, I think, the average over a number of years that it's up 8%.

And you're going to be wrong about 20% of the time.

But 80% of the time, you're either going to be close to right or you're

going to greatly underperform, and then you can raise it through the year. And so it just pays to be a

bull. I think macro, I get a lot of questions from listeners now about the election. I go back and I say,

look at 2017. Trump won in 2016. Did the market crash in

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