Transcription
The last four times the stock market did what it's doing right now, regular people became millionaires. And most of them didn't pick a single stock. They didn't have a finance degree. They didn't even have that much money to start with. They just understood one pattern that keeps repeating itself decade after decade. And they had the courage to act on it when everyone else was running the other direction.
I'm going to walk you through all four moments in history when this happened. Explain what was different before that and why the window that created those millionaires didn't exist the same way before a certain point in time and then show you exactly what's happening in the market right now in 2026 that looks almost identical to all four of those moments combined.
This is not a video about getting rich quick. There is no secret tip here. No hot stock to buy today. No shortcut to overnight wealth. What I'm about to show you is a pattern backed by over 100 years of documented markets history. A pattern so consistent and so reliable that Warren Buffett built his entire 130 billion fortune around it. And yet every single time it shows up, the vast majority of people miss it. Not because they don't have money to invest, not because the opportunity isn't sitting right there in front of them, but because this pattern only shows up when everything feels terrible. When the news is catastrophic, when people are scared, when your instincts are screaming at you to stay as far away from the stock market as humanly possible, that's exactly when the pattern appears. And that's exactly when the right decision feels like the wrong one.
By the end of this video, you'll understand exactly why that happens, what to do about it, and why the market environment we're sitting in right now in April 2026 has something to say that you really need to hear. So, make sure to stay until the end, leave a like, and let's start with something most people don't want to admit. Probably also you.
The stock market, when it works the way it's supposed to work, is the single greatest wealth-building tool in the history of the modern world. Full stop. Not real estate, not gold, not crypto, not starting a business. Most businesses fail. The stock market over long periods of time has consistently turned regular savings into serious wealth for ordinary people who didn't do anything complicated. They just stayed in.
But here's the problem. Most people don't experience it that way. Most people buy when they feel confident and sell when they feel scared. And that's exactly the opposite of what you need to do. Think about it for a second. When do you feel most confident about investing in stocks? When the market has been going up for years. When your friends are talking about their gains, when the news is optimistic and everyone seems to be making money, that's when you feel safe. And that's almost always when stocks are the most expensive they've been in years. And when do you feel most scared? When the market has crashed. When headlines are screaming about economic collapse. When your account is down 30% or 40%, and your gut is telling you to sell before it gets worse. That's when you feel like you'd be crazy to buy anything. And that's almost always when stocks are the cheapest they've been in years.
This mismatch between how people feel and what they should actually do is the core reason why most people never build serious wealth through investing. It's not a knowledge problem. Most people know they should buy low and sell high. The problem is that buying low feels dangerous and selling low feels safe because the fear in your body is responding to the headlines, not to the actual value of the companies behind those stock prices.
The people who built serious wealth in the market understood something critical. In the short term, stock prices are driven by human emotions, fear, and greed. But in the long term, they're driven by the actual profits and growth of real businesses. And when fear temporarily pushes prices way below what those businesses are actually worth, that gap is the opportunity. That gap is where millionaires are made.
Now, before I show you the four specific moments in modern history when this happened clearly and clearly enough that a lot of regular people with regular jobs actually took advantage of it, I want to explain something important first. Because some of you might be wondering if this pattern has been repeating forever, why am I only going back to the 1980s? Why not the 1940s or the 1950s? Why didn't regular people build wealth the same way during the crashes of earlier decades?
The answer is really important and most financial videos never explain it. Before roughly the mid 1970s, the stock market was not accessible to regular people in any meaningful way. Think about what investing in stocks actually required before that era. You had to call a stock broker, a human being at a brokerage firm. Every single time you wanted to buy or sell anything, those brokers charged fixed government regulated commissions that were enormously high by today's standards. Buying a 100 shares of a company could cost you as much as $150 to $300 in brokerage fees alone in 1960s dollars. For context, the average American worker in the 1960s was earning around $5,000 a year. A single stock trade could cost them several weeks of income just in fees before they even counted the price of the stock itself.
There were also no index funds. None. John Bogle didn't launch the first publicly available index fund for regular investors until 1976. Before that, if you wanted to invest in the stock market, you had to pick individual stocks. And picking individual stocks well requires research, time, expertise, and frankly, a certain amount of luck. Most regular people, people with jobs, kids, and no financial background, had no realistic way to do that effectively. So crashes before the mid to late 1970s weren't really opportunities for regular working people, even if the prices were extraordinary. Most regular people had no accessible, affordable, practical way to act on those opportunities. The tools didn't exist yet.
All of that changed between the late 1970s and the 1980s with three developments. First, deregulation of brokerage commissions in 1975, which broke up the old fixed fee system and allowed discount brokers to start operating, dramatically lowering the cost to trade. Second, the creation of the 401k retirement account in 1978, which for the first time gave everyday workers an easy tax advantaged way to put money into the stock market automatically through their paycheck. Third, the rise of index funds in the late 1970s and through the 1980s, which let ordinary people invest in hundreds of companies at once at very low cost without having to pick individual winners.
By the time the first big modern crash hit regular investors in 1987, the game had fundamentally changed. For the first time in history, there was a large class of ordinary working people, teachers, nurses, factory workers, truck drivers who had money in the market through 401ks and mutual funds. And some of them understood what was happening. And when the crash came, they had the tools to act. That's why the pattern becomes visible starting in 1987, not because the stock market didn't crash before. It crashed dramatically in 1929, in 1937, in 1973 to74, but because before the modern era, regular people couldn't realistically take advantage of those crashes even if they wanted to.
Now, let me show you the four times it happened since then.
First moment, Black Monday, October 1987. It's Monday, October 19th, 1987. People wake up, go to work, and by the time they check the news that evening, they can't believe what they're seeing. The Dow Jones Industrial Average, the most watched stock market index in the world, has just fallen 58 points in a single day. That's a drop of 22.6%. In one day, the single largest 1-day percentage drop in the history of the US stock market before or since. In dollar terms, over $500 billion in market value had evaporated in a matter of hours. Trading floors were in chaos. Brokers were overwhelmed. Phone lines to brokerage firms were jammed with people trying to reach someone, anyone, to tell them what to do. In some of the more extreme cases, investors who simply couldn't get through to their brokers watched their portfolios collapse in real time with no way to act. The fear was total. People genuinely believed they were watching the beginning of another great depression. The 1929 crash was still fresh in cultural memory. Many investors' parents or grandparents had lived through it. The similarities felt real and terrifying.
But here's what actually happened in the weeks and months that followed. The Federal Reserve stepped in immediately. One day after the crash, the Fed announced it would provide liquidity to the financial system. Basically, they were saying, "We will not let this turn into a banking collapse like 1929." And the market started to respond. Within just two trading sessions, the Dow gained back 57% of Black Monday's losses. By mid 1988, less than a year later, the market had fully recovered. By the end of 1988, the Dow was nearly 25% higher than it was on the day of the crash itself. And then it just kept going through 1989 through 1990 through the early 1990s. The people who held through Black Monday and didn't panic sell or, better yet, the people who looked at those cratered prices and decided to buy more were rewarded handsomely. By 1995, the Dow had more than doubled from its pre-crash 1987 high. Within a decade, those who had stayed in or bought during the panic had seen extraordinary returns.
Michael, a 38-year-old accountant from Illinois, had been contributing to his 401k throughout the mid-1980s boom. When Black Monday hit, his retirement account dropped nearly $30,000 in value almost overnight. His wife wanted him to move everything into cash. His colleagues were terrified, but Michael did the math. He saw that the companies in his index fund were still operating, still profitable, still selling their products. The prices had crashed, but the businesses hadn't. He not only stayed in, he increased his monthly contributions, buying more units at the lower prices. By the early 1990s, his account had not only recovered, but was significantly larger than it had been before the crash. That decision, made during the most terrifying market moment of his life up to that point, set the foundation for everything that followed.
The lesson of 1987. The fastest crashes can also produce the fastest recoveries. And the people who keep their heads when everyone else is losing theirs are the ones who come out ahead.
Second moment, the dotcom crash, 2000 to 2002. Let's move forward about 13 years. The late 1990s had been one of the greatest bull markets in stock market history. The internet had just exploded into mainstream life. Everyone was convinced it would change everything and they were right about that part. But they got wildly dangerously ahead of themselves about which specific companies would benefit and how fast. By the peak in March 2000, the NASDAQ, which tracks technology stocks, had climbed all the way to over 5,000 points. Companies with no profits, no revenue, sometimes barely even a finished product, were worth billions of dollars simply because they had a .com at the end of their name and a vague promise of future growth. The whole thing was completely untethered from reality. Then it all broke.
Between March 2000 and October 2002, the NASDAQ collapsed from over 5,000 points down to around 1,100, a drop of approximately 78%. More than 3/4 of the index's value gone. Trillions of dollars in market value wiped out. Technology companies were going bankrupt every single week. The headlines were brutal and relentless. The internet is dead. Tech stocks are worthless. It was all a fraud. Go back to the old economy.
And here's where it gets really important. Even companies that were genuinely great, real businesses with real futures got dragged down in the panic. Amazon was already the world's leading online retailer. It was already changing how people shopped. It had real revenue. But the stock fell from $85 per share all the way down to $6. $6. For a company that was clearly going to survive and dominate. Cisco, the networking company whose equipment runs much of the internet's backbone, a company with billions in real revenue, fell from $80 down to around $10. People who had watched their retirement accounts double and triple during the late 1990s boom now watch those same accounts shrink to a fraction of what they'd been. The emotional whiplash was severe, but some people kept their heads. They asked the right question, not "Is the market scary right now?" but "Are the prices of these companies actually justified by their real value?" And for companies like Amazon, the answer was clearly no. Amazon at $6 was absurdly undervalued. The company was still operating. People were still shopping online. The business model was sound. The price had collapsed because of fear and the general destruction of tech sentiment, not because the fundamentals of the business had collapsed.
The people who bought Amazon somewhere near that $6 bottom and held it through everything that came afterward. Those shares are worth over $3,500 today. A $6,000 investment buying a 1,000 shares at $6 would be worth over $3.5 million today. That's not a typo. $6,000 into $3.5 million. No complicated strategy, no leverage, no day trading, just identifying that a great company had been thrown out with the trash during a market panic, buying it and holding. And you didn't even have to pick Amazon specifically. If you had just bought a broad technology index fund near the October 2002 bottom and held through 2007, you would have seen five to six times your money. If you held all the way to today, we're talking about returns that would genuinely change your financial life.
The lesson of 2000 to 2002. Sometimes the panic is indiscriminate. Great companies and garbage companies both get sold off. The people who can identify which is which or who simply buy the whole market at a discount through an index fund are the ones who win.
Oh, and by the way, if you want to have more money to invest in this crash, you can just open your YouTube channel since YouTube is the golden opportunity of this decade and I can help you in my free community in the link below.
Third moment, the 2008 financial crisis, 2008 to 2009. This one is the big one. This is the crash that most adults today remember clearly and for good reason. It wasn't just a stock market correction. The entire global financial system came within hours of complete collapse. By September 2008, the largest bankruptcy in US history had just occurred. Lehman Brothers, one of the most storied investment banks on Wall Street, filed for Chapter 11 with over $600 billion in debt. Major banks were failing or being bailed out. The housing market had imploded. Millions of Americans were losing their homes. The credit markets froze. The unemployment rate was climbing fast, eventually reaching 10% in October 2009.
The S&P 500, the benchmark for the overall US stock market, fell from around 1,560 points in October 2007 all the way down to 676 points on March 9th, 2009. That's a drop of over 57%. More than half the market's total value gone in 17 months. You have to understand what 676 meant. At that price, you could buy the entire American economy, the 500 largest companies in the country, representing hundreds of millions of workers, trillions in annual revenue, and the most powerful corporate ecosystem in the world at more than 50% of its recent value. Like a clearance sale on America itself.
Apple at that time was trading around $12 per share. This was a company that had just released the iPhone 2 years earlier. The iPhone was already proving to be a revolution. Apple was already generating billions in revenue and growing fast. But the stock had been crushed in the panic. Just like everything else, regardless of how strong the underlying business was. Amazon was trading around $60 to $80. Still building its empire, still growing, still serving millions of customers. The fear at this time was not just financial. It was existential. Serious credentialed economists and financial professionals were openly debating whether modern capitalism as we knew it might be finished. That is not an exaggeration. The level of systemic risk that had been exposed was genuinely terrifying to the people who understood it best.
And yet, and yet. Warren Buffett published a piece in the New York Times in October 2008, right in the middle of the carnage, that made an essentially simple argument. He was buying stocks, and you should, too. Not because he knew when the bottom would be. Not because he had insider information, but because great American companies were on sale at prices that made no rational sense given their long-term value. His famous line, "Be fearful when others are greedy, and greedy when others are fearful." This wasn't just philosophy for Buffett. It was his actual real-time strategy. He put billions of dollars to work during the crash.
But regular people did it, too. A teacher in Ohio, let's call her Veronica, was 32 years old in 2009 and had $15,000 saved up. Everyone told her to wait. "It's too risky right now," they said. The market could drop another 50%. But Veronica had studied the history. She understood the pattern. She put all $15,000 into an S&P 500 index fund when the index was near its lows. By 2020, that $15,000 had grown to over $90,000, six times her money. Not from picking the right stock, from buying the whole market when everyone else was running away.
Alex, a 45-year-old construction worker from Texas, had $25,000 in his retirement account. When everything crashed in 2009, he borrowed an additional $10,000 from a home equity line. Yes, borrowed and added it to his investments. His friends thought he'd completely lost his mind. But Alex had a stable job, a clear plan to pay back the loan from his construction income, and an understanding of the math. He was buying quality companies at massive discounts. By 2015, that $35,000 total investment had grown to over $110,000. By 2021, it was worth more than $250,000. He retired at 58, 7 years ahead of schedule, living on a lake while his friends who called him crazy are still working. A $10,000 investment in the S&P 500 in March 2009 at the bottom grew to over $70,000 by 2021. That's a 600% return in 12 years from a boring index fund.
The lesson of 2008 to 2009. The bigger the fear, the bigger the opportunity. As long as the underlying economy and the businesses in it are fundamentally intact.
Fourth moment, the COVID-19 crash, March 2020. And then there's this one, the most recent, the one that's most vivid for most people watching this video. March 2020. A global pandemic nobody saw coming. Countries are shutting down. Airports are empty. Restaurants are closed. Hospitals are overwhelmed. The unemployment rate in the US shot up to 14.7% in April of 2020, a level not seen since the Great Depression. The S&P 500 fell 34% in just 23 days. 23 days. The single fastest crash in stock market history. The fear was unlike anything most living people had ever experienced. Nobody knew how long the pandemic would last. Nobody knew if a vaccine would ever come. Experts were appearing on every news channel predicting the market would fall another 50%. Some said a full decade of recovery would be needed.
And then some people, the ones who had studied the pattern, who had kept their heads in past crises, who understood what fear-driven selling actually means, started buying. In March 2020, Apple was around $57 per share. Amazon around $1,680. The S&P 500 was sitting near 2,300 points, 32% below where it had been just weeks earlier. You were getting the entire US stock market at nearly a third off.
Jessica, a nurse in California, had $40,000 sitting in a savings account, earning almost nothing in interest. When the crash hit in March 2020, she moved $30,000 of it into two simple index funds, VOO, which tracks the S&P 500, and VTI, which tracks the total US stock market. Her parents told her she was throwing her money away. Her friends thought she was panicking in the wrong direction. The news everyday was saying the market would fall further, but Jessica had studied 2009. She had read about the dotcom recovery. She understood that the companies in those funds, Apple, Microsoft, Amazon, Google, Johnson & Johnson, Walmart, were not going out of business because of a pandemic. They would adapt. Some of them would actually benefit, and eventually the world would reopen. By the end of 2020, just 9 months later, that $30,000 had grown to nearly $50,000. By early 2022, it was worth over $65,000. More than double in under two years. No stock picking, no market timing, just a boring index fund bought at the moment of maximum fear.
Here's the number that still floors people. The COVID crash was not only the fastest crash in market history, it was also the fastest recovery. From its low point in late March 2020, the S&P 500 fully recovered in just 4 months. By August 2020, barely 5 months after the crash began, the market was back at all-time highs. And then it kept going. By late 2021, the S&P 500 was up nearly 100% from its pandemic bottom. People who bought at the low and held through the end of 2021 roughly doubled their money in less than 2 years. The people who panicked and sold in March 2020 locked in their losses and missed every single dollar of that recovery. The people who bought when everyone else was terrified turned one of the scariest moments in modern history into the best investing decision of their lives.
The lesson of 2020. The world doesn't have to be okay for the stock market to recover. It just has to not end. And it hasn't ended yet.
So what is the single thread connecting all four of these moments? 1987, 2002, 2009, 2020. It's not luck. It's not inside information. It's not being born into money. It's understanding one simple truth. Markets are driven by emotions in the short run and by real business value in the long run. And when fear pushes prices far below real value, that gap is where fortunes get built.
Now, here's why this matters so much right now in 2026. We are currently sitting in a market environment that has some very specific characteristics. Characteristics that echo all four of the moments I just described. Let me give you the data. The S&P 500 ended 2025 at around 6,845 with a total return of roughly 17.9%. That's three consecutive years of double-digit gains. Three years. That hasn't happened many times in the modern era. And historically, when it does happen, the fourth year tends to get complicated.
The Shiller Cape ratio, the most respected long-term valuation measure for the stock market, developed by Nobel Prize-winning economist Robert Shiller, currently sits above 40. Let me put that in context for you. The long-term average for this ratio is around 17. We're currently at more than double the historical average. In the entire history of this metric, a reading above 40 has only occurred during two other periods: the peak of the dotcom bubble in 1999 to 2000 and briefly in 2021. Both of those were followed by significant market declines.
The Buffett indicator, the ratio of total stock market value to US GDP, is sitting around 221%. Warren Buffett himself said in 2001 that when this ratio approaches 200%, you are playing with fire. It's currently above 200%. Meanwhile, 79% of North American institutional investors, the large money managers who collectively control nearly $30 trillion in assets, expect a market correction in 2026. They see a 49% probability of a 10 to 20% decline and a 20% chance of something steeper. Year to date through late March 2026, the S&P 500 is already down about 5%. The VIX, the market's official fear gauge, has been elevated. We have an active military conflict involving Iran that has pushed oil prices up sharply. We have ongoing questions about tariff policy and its downstream effects on corporate profits and inflation.
And here's a historical pattern that almost no one talks about. This is a midterm election year. Since the S&P 500 was created in 1957, it has experienced an average intra-year draw down of 18% during midterm election years. The index has fallen into correction territory during 12 out of 17 midterm election cycles. That's a 70% historical rate of significant pullback in years like this one.
Now, I want to be crystal clear with you. I am not telling you that the market is going to crash tomorrow. I am not telling you to sell everything. Nobody, not me, not Goldman Sachs, not Warren Buffett, can tell you exactly when the next big drop will happen or how deep it will go. Anyone who tells you otherwise is lying.
What I'm telling you is this: the conditions that have historically preceded major buying opportunities, stretched valuations, geopolitical stress, a market already pulling back from highs, institutional nervousness, a midterm election year, headwinds – all of those conditions are currently present. And given that we've had 3 years of strong gains, given that the market is expensive by every historical measure, the risk is more heavily weighted to the downside right now than it has been for much of the past 3 years. That means one thing. If you don't already have a plan for what you'll do when the market drops 15%, 20%, or 30%, you need to make that plan right now because when it happens, and at some point it will, you will not be thinking clearly. You'll be scared. Everyone around you will be scared. The news will be terrible. And without a plan you made in advance, you will do what most people do: freeze or worse, sell.
Let me give you something real to work with: a five-step strategy where the fifth one is the most important one.
First, only invest money you won't need for at least 5 to 7 years, ideally 10. The market can stay down longer than you expect. Anyone who needed their money back in 2001 had to sell at a loss before seeing the recovery. Anyone who needed it in 2009 at the bottom missed everything that came after. Long-term money only.
Second, open your YouTube channel. No, just kidding. But it can be really helpful in this moment and I can help you in my free community in the link below. The real second step is to build a cash reserve now while things are relatively calm. Not money you're hiding under a mattress. Cash loses value to inflation sitting still. But a dedicated opportunity fund that you're setting aside specifically for the moment when things look the worst. When the market is down 20%, 25%, 30%. You want to have real money you can deploy. The people who made the most from 2009 and 2020 weren't just holding their existing investments. They had cash ready to buy more at the lowest prices.
Third, focus on broad index funds, not individual stocks. I know picking stocks sounds more exciting. The stories you hear about people who bought Amazon at $6 make you want to find the next Amazon, but the reality is sobering. More than 85% of actively managed funds, funds run by professional investors with entire research teams and decades of experience, underperform a simple S&P 500 index fund over a 10-year period. If the professionals can't consistently pick the right stocks, the odds are strongly against you doing it either. Instead, buy everything. A total market index fund or an S&P 500 index fund gives you ownership in hundreds or thousands of companies at once. You don't have to pick the winners, you just have to be in the game.
Fourth, use dollar cost averaging when you do invest. Rather than putting all your money in at once, which feels psychologically impossible when the market is crashing and terrifying, divide your money into chunks and invest a set amount over 6 to 12 months. If the market drops further, your later investments buy more shares at even better prices. If it recovers faster than expected, you still have money in early. This strategy removes the pressure of finding the perfect moment, which nobody can do anyway.
Fifth, and I can't stress this enough, make the plan today, not when the crash is happening. Decisions made in the middle of a market panic are almost always wrong. The fear in your body, the cortisol, the fight-or-flight response. It's not designed to make good long-term financial decisions. It's designed to help you run from a lion. Write it down right now while you can think clearly. If the S&P 500 drops 15%, I will invest X. If it drops 25%, I will invest Y. Have the account ready. Know exactly which fund you're buying. Remove as much real-time decision-making as possible because that is precisely where most people fail.
Here's the honest picture of where we are. After three straight years of strong gains, the market entered 2026 at elevated valuations. The S&P 500 has already pulled back from its highs. Geopolitical tension, the conflict involving Iran and its pressure on oil prices has added uncertainty. Tariff policy continues to create business uncertainty. The Federal Reserve is navigating a tricky path between inflation and growth. And it's a midterm election year, which historically brings heightened volatility. Goldman Sachs, as of early 2026, has a year-end price target for the S&P 500 of 7,600, but also outlined a downside scenario of 5,400 in the event of an oil shock or recession. That's a potential 20% downside from recent levels. JP Morgan has already trimmed its year-end target and flagged that markets may be underestimating the risks from elevated energy costs.
None of this is panic. None of this is a prediction that the world is ending. It's just the honest reality that after three extraordinary years, the math gets harder. The easy gains have been made. From here, the path is likely to be bumpier. But here's the thing about bumpy. Bumpy creates the openings. Bumpy is when the prices of great companies temporarily disconnect from their real value. Bumpy is what 1987 looked like, and 2002, and 2009, and 2020. And the people who had a plan when bumpy arrived, those are the people who ended up with the stories worth telling.
From 1926 to today, the S&P 500 has generated positive annual returns 74% of the time. The average annual gain in positive years has been 21.4%. Even in negative years, the average loss has been around 13.4%. Over any 20-year rolling period in the history of the index, returns have been positive, every time, including the 20-year windows that started at the worst possible moments: 1929, 1987, 2000, 2008. Every single one. A dollar invested at the beginning of the modern US stock market era, and left alone through every crash, every war, every recession, every pandemic would be worth over $35,000 in inflation-adjusted terms today. Not because the journey was smooth. It wasn't. But because the destination over time has always been higher than where it started.
Let me bring everything together. Before the late 1970s, this pattern existed, but regular people couldn't take advantage of it. The tools weren't there. Brokerage fees were too high. There were no index funds, no 401ks, no accessible way for an ordinary working person to act on market crashes. The window existed, but it was locked for most people.
Then everything changed. Deregulation, 401ks, and index funds opened the door. And once it was open, the pattern became clear in four distinct moments. In October 1987, Black Monday crashed the market 22.6% in a single day. And within 2 years, it had not only recovered, but hit new all-time highs. The people who didn't panic, who kept contributing, who understood what they were seeing came out ahead. Between 2000 and 2002, the dotcom bubble burst and dragged even great businesses down to insane prices. Amazon fell to $6 a share. People who bought at the bottom and held saw returns that would redefine their entire financial lives. In 2008 and 2009, the financial system nearly collapsed. The S&P 500 fell 57%, and a $10,000 investment at the bottom grew to over $70,000 by 2021. A 600% return from a boring index fund. Regular people who kept their heads while everyone else lost theirs became the quiet millionaires nobody talks about. In March 2020, the fastest crash in history was followed by the fastest recovery in history. People who bought during the panic roughly doubled their money in under two years.
Four times. Four very different triggers, four very different levels of fear, and one consistent outcome. The people who bought when everyone else was selling were rewarded enormously.
Right now, in April 2026, we are in a market environment that echoes the conditions that preceded all four of these moments: stretched valuations, geopolitical pressure, a market already pulling back from highs, a midterm election year with a historical average draw down of 18%, institutional investors nervous, the Buffett indicator above 200%, the Cape ratio at levels last seen before the dotcom crash. That doesn't mean the crash starts tomorrow. It might not happen this year at all. The market has surprised pessimists many times before. But it means that if you're not building your plan right now, your opportunity fund, your target buy levels, your chosen index funds, you risk being the person who watches the opportunity arrive and has no way to act on it, or worse, the person who panics and sells at exactly the wrong moment.
Every generation gets maybe three or four moments like this in their entire investing lifetime. Moments where fear creates prices that don't reflect reality. Moments where the pattern that has created wealth for over a hundred years shows up again, clear as day. If you know what you're looking for, don't let this one pass you by because you weren't ready. Subscribe because when the next drop hits, you're going to want to be watching this channel.
Just a reminder, I'm not a financial advisor. This video is for educational purposes only and any results depend on your own decisions and actions.