Is It Really Going to Change Your Finances That Much?

i'm pretty good at picking the tops and buying the tops, but the bottoms are much harder. I just don't see what the point is of putting yourself through that. At the end of the day, is it really going to change your finances that much? If you're gong to hold more cash or bonds, right? In some people would say there's different strategies to hedge against a bear market.

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