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    • I 100% agree with everything you’ve said. I’m personally sitting on the sidelines having changed my investments to cash equivalents. I don’t have that much money yet so it makes it more bearable knowing inflation is eating away at it. My work/government pension is something else entirely. I’m frustrated that house prices are crazy high because the government has lowered interest rates to make the wealthy richer while I have to rent and see my wealth growth slow. My pension has been growing at about 8-12% over the years and I have a decade to wait for it to go up if there’s a crash. I feel especially appreciative I at least have that. I sometimes consider gambling/speckling some of my cash but it just goes against all the investing principles I’ve tried to live by.