You've changed the subject again--I didn't mention inflation. Are you a bot or are you just parroting random talking points without reading? Since you brought

You've changed the subject again--I didn't mention inflation. Are you a bot or are you just parroting random talking points without reading? Since you brought it up, YoY returns are not really relevant for a long-term investor. If you're speculating/gambling on short-term volatility, then USD/VTSAX/BTC have done poorly--but I'm not much of a speculator. I'm very happy with my 10-year returns. As long as you keep wildly changing the subject (this applies to your next reply as well), I'll assume you have no counterpoints and agree with everything I say. I'm glad we can agree!