For all of you that started buying or investing after 2008, it is going to get rough in the next year or two. I have been planning for this nightmare since 2015. Remember the 2017 recession that didn’t happen. Well it is here now. The corona virus is a black swan event just like the 2008 meltdown. Whatever happens in the macro world tend your own garden. Follow your own plan. The bull market is dead. Spend and invest conservatively.