...but I have been that way for a long time.
Not easy. But will be fun when capitulation kicks in and there blood on the streets. Cash is king and TRUE bargains will be available.
And just to think that a couple of weeks ago a client of mine was contemplating surrendering his 11 year old (at which point it is almost completely seasoned) Whole Life policy that has Guaranteed growth, claiming it's the worst investment around. I assured him it's not an investment, and after taking a lot of time explaining to him how it works, the guaranteed and non-guaranteed features, he calmed down and actually decided to consider leveraging it to pay back student debt he has.