But if we leave the market, where will we go?

B: I suppose you have to be a professional to juggle the market, not an amateur like me.

This is important because many will borrow on a credit card in an emergency to avoid the penalty of cashing out a c.d. or a selling stock during a down market.

I raise this question and answer it this way not to scare you out of the market.

So they strive to grow but forget the principles that made them great -- getting into the market quickly, not throwing money at the wrong thing.