I have't paid a lot of attention to Wacoinda but shared this to Deidra's blacks in crypto group. As for age, well it's true that you probably have time for your retirement account to recover from the losses it is about to sustain, but please tell me what the point is in experiencing those losses in the first place?

Why not put your money into stocks when the market is low to medium growth, then move it to money markets at the top, then when the market crashes, buy back into the stocks at their new lows?

While during a normal market you can't really time it like this, it really isn't hard to time a market that's nothing but bubbles. Only finding the bottom to buy back in might be challenging. There will likely be many false bottoms, while it keeps going lower.