Sorry, Donner, I'm with Michael & Cut-Throat.
Anyone capable of creating such a mind-numbing negative analysis of the market should be able to figure out how to make some money from it. As Michael points out, interested retail investors can ponder stocks and exploit the cracks in the efficient market hypothesis.
You're clearly able to identify overvalued stocks-- are you claiming that all 20,000+ of them worldwide are overvalued? Are you shorting any of the overvalued ones or even their indices? Instead of kvetching about overvalued stocks, have you found non-stock investments that could rise in value? Put your negativity toward a positive goal! But meanwhile at least you're providing a valuable service-- chronic worriers like you keep the market climbing up that wall.
Or just keep working until you drop-- it's your life (whatever quality & length is left of it) and you're personally responsible for making your own decision. We can offer helpful suggestions about how to load the cartridges, but we're not gonna pull your trigger.
I'm glad I've been retired BEFORE reading your morale-sapping analysis of why you can't retire. I think you're overdoing your "devil's advocate" approach to ER. Instead of pointing out all the reasons that you're unable to retire (and nitpicking our responses!), from this point forward you should try to identify at least one positive reason to ER for every reason that you "can't". Mortgages & health insurance are just a start and you probably have plenty of other choices.
Until then, I'm not going to sail any more trial balloons over your anti-aircraft batteries.
Anyone capable of creating such a mind-numbing negative analysis of the market should be able to figure out how to make some money from it. As Michael points out, interested retail investors can ponder stocks and exploit the cracks in the efficient market hypothesis.
You're clearly able to identify overvalued stocks-- are you claiming that all 20,000+ of them worldwide are overvalued? Are you shorting any of the overvalued ones or even their indices? Instead of kvetching about overvalued stocks, have you found non-stock investments that could rise in value? Put your negativity toward a positive goal! But meanwhile at least you're providing a valuable service-- chronic worriers like you keep the market climbing up that wall.
Or just keep working until you drop-- it's your life (whatever quality & length is left of it) and you're personally responsible for making your own decision. We can offer helpful suggestions about how to load the cartridges, but we're not gonna pull your trigger.
I'm glad I've been retired BEFORE reading your morale-sapping analysis of why you can't retire. I think you're overdoing your "devil's advocate" approach to ER. Instead of pointing out all the reasons that you're unable to retire (and nitpicking our responses!), from this point forward you should try to identify at least one positive reason to ER for every reason that you "can't". Mortgages & health insurance are just a start and you probably have plenty of other choices.
Until then, I'm not going to sail any more trial balloons over your anti-aircraft batteries.