The problem is that economy and technology shifts. Not so great when you are a cold fusion developer today as an example. So it is required to hedge against tha

The problem is that economy and technology shifts. Not so great when you are a cold fusion developer today as an example. So it is required to hedge against that isn't it. You need to ensure you have a future by saving for retirement. I've been saying "it will eventually collapse" for what seems like forever now. The market can stay irrational longer than you can stay solvent - to borrow a cliché.