Many of the challenges we face today.....

You've heard the old saying about the blind lead the blind. It's closely akin to being part of the herd. Doing what everyone else is doing, even though your values, risk tolerance, and mindset are different.

Call it apathy, complacency, I call it trouble.

There is a right strategy for you, your family, your finances, and life. The requirement, review the appropriate strategies for you. Next, make the decision. Lastly, execute that strategy and live your life. Have a calm and peaceful life.