• Completing the last 3 disturbing trends

  • Motley fool article from April

  • First 3 trends: US credit card debt rising, 46% of Americans are confident they will achieve their retirement goals, Americans aren't following a budget

    • 4. Car loan delinquencies are climbing

      • 7 million Americans are 3 months behind their car payments

      • average new car payment is $523 a month

    • 5. Emergency reserves

      • 40% of US adults don’t have savings to pay for a $400 emergency

  • Weekly bull/bear report from the AAII

    • notably very bearish

    • beginning to see bullishness increase!

    • investors must understand

  • Investors continue to be negative and bearish while the market continues to hit all time highs

  • Markets are undervalued!

    • long term thinkers... don't try to guess when you should start investing

October 29, 2019