@BobKamman @SensibleandHourly @joshuabarksatlcs @qbteachmt @Taxes-by-Rocky I think Bob  really hit the nail on the head when he said we know that it's almost impossible now for the stock market to crash, here is why in my opinion:  there is too much money out there all over the world that needs to be invested and the USA is the safest place, where else would they invest it that is safer than here, the Middle East? Latin America? Asia? ...Second, due to mergers over the years there are less major American companies to invest in than before , I think people understand what I'm saying here so I won't explain supply and demand ... 3rd I'm sure all of us are aware that it appears that the tax code always favors a bullish  Wall Street, IE low capital gain tax rates if any, increasing IRA and pension contribution amounts, and so forth... maybe that is why my broker is in Europe all the time at his vacation residence there, and I am stuck here ..... he isn't smarter than any of us , he's just in the right field.....