This is planet money from n prif you've looked at any index of financial markets, this year has been bad for stocks, crypto and bonds. Of course, there is a whole industry dedicated to the idea that you can take risk smartly. You can lose less money in a market, freakout, and make more money when markets are happy. And it kind of begs the question, is ther any way to navigate this kind of period? Or are we just along for the ride?