Thank you for sharing your thoughts Joao.

First, if I was in my 20s, I would still most likely just stay fully invested, since I don't think timing the market is so easy, and the risk over decades is low.

Second, I did acknowledge that it's possible the bill market will continue another decade. I just don't think the frothy valuations have been corrected enough by the super short crash. Of course, I could be wrong about this. Only time will tell.