 in the stock market going up by being in mutual funds, and I'm going to make money by owning real estate, and real estate goes up in the next decade. I'm 100% sure of that. There's very few things I'm 100% sure of. I've never seen a time in American history, modern American history, that you can look back, that both of those things in a decade did not go up. Now, can you trust the stock market between now and Christmas? Oh, crap, no.