1. Apply to graduate school 2. Max out student loans 3. Use funds to speculate on Real Estate, Dogecoins and/or Moviepass stock 4. ??? 5. Profit!!! On a more s

1. Apply to graduate school 2. Max out student loans 3. Use funds to speculate on Real Estate, Dogecoins and/or Moviepass stock 4. ??? 5. Profit!!! On a more serious note, I agree with you that it doesn't make sense to wait for a crash. It is better to position yourself such that when a crash happens (whether it be real estate, equities or baseball cards) one is in a reasonable position to take advantage.