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I am so sorry.

I am just so, so sorry.

I want to express my condolences to all of you who have suffered through the dramatic, the horrific stock market

that we have experienced lately. I mean to tell you, if you invested in the S&P 500 over the past

year, you're only up 10%. That's it? You're just up 10% over the past year what a horrible situation we've found

ourselves in lately do you think maybe you're overreacting a little bit we're up 10% for the

past 12 months uh for the s and p 500 at least okay but that's not as dramatic as saying as CNBC said,

the worst week since 2023. By the way, you remember 2023?

2020, 23? Was that a bad year? That wasn't a bad year? The market made money. 23. Or Bloomberg

that says, it's always a bad time for a market sell-off well unless you're

buying stocks like right most people are in their 401ks that's not a bad time if you're if you're

young you love periods of falling prices and here's the thing we all need to understand. And by the way,

welcome to talking real money. The radio show, the podcast, the all-purpose program to help you

better handle your pecuniary problems. That means money. Here's the thing we forget.

The stock market has, when measured by the S&P 500, has returned about 10% per year, every year on average, 10% per year on average, over a mere 100 years or so, roughly.

So far in the last 12 months, it's done its historical norm, even with a big fat decline in there.

Now, that's what you need to understand.

Declines, folks, are the price you pay for those impressive returns.

Yeah, you've got to accept the volatility to make more rather than putting it in a bank,

a big bank and making 0.1, putting it in a high-yield savings account, again, completely safe, making, you know, a little

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