Yes I agree with you, it's been a very interesting decade where we went from "the sky is falling" to "let the good times roll"! However at least for me, my cur

Yes I agree with you, it's been a very interesting decade where we went from "the sky is falling" to "let the good times roll"! However at least for me, my current earning potential in my job is not that high, and my cost of living therefore has been what I've sought to optimize instead of capital gains. For people who have lots of taxable income, lots of asset exposure, and a high cost of living, then a mixed bag of investments is definitely crucial to preventing those people from going bankrupt. But for me, as long as I find ways to continue to live healthy, have a good network of friends, a job, money in my main bank accounts in case I need to put up a security deposit or take an extended vacation, then I am very happy. I therefore would never want to keep $40,000 or something in a market account when I really do need all of that money at any time.