Most make money at it, simply because the value of the goods in the market, in general, goes up over time. There are drops, but the trendline over a long period of time is upward-sloping.

We can ascertain this simply by the fact that the value of the market can either be constant or increasing, but cannot be decreasing because the value cannot fall below zero. Even if it falls 40% of the time, it rises 60% of the time, which is how people make money by investing.

What differs from investor to investor is how much money they make, and that’s pretty much a matter of luck. But that doesn’t negate the fact that, on average, any person’s earnings from the stock market will be positive.

I am glad to have finally no credit cards at all. Now I have all I need, and even more, than when I was paying so much interest to the big self-serving banks.

Unfortunately, the baby boom will soon become old and disabled, and they will not have enough to continue to support their “lush lifestyle” to which they have become accustomed.

In the 1980′s they went after bicycles and exercise gear, and when the market was saturated, many of the companies that made and sold those things eventually went bankrupt.

In the 1990′s, it was about BIG houses, SUV’s (OIL, that is), computers and electronics.

Now it is about luxury cruises and luxury homes. BTW, old people cannot live in big multi-story house. They are too frail to maintain them and climb up stairs.

Over the next 20 years or so, they will stress the medical and health systems, and they will fail too. And this effect is supplemented by illegal aliens in the US.

The greedy (which equals unethical Republicans, BTW) business people will never see it any other way. They want it all, and they will find a way to cheat the poor and middle classes out of their health and lives.

You see, stocks and bonds are a way to get the poor and middle classes to invest their meager wages and savings in a business. At some pioint, the 51% owners, CEO’s and executives will take all they can from the cash flow, then leave the place when they have destroyed the business. They will get a big golden parachute, and the little “hopeful” stockholder will get nothing.

Stocks are like going to “Las Vegas”, which is often painfully and truthfully called “Lost Wages”. Only a very few win, and most loose.

Eventually, the funeral homes will be stressed and when all the baby boom has died, many of them will “go unde” when their audience has past on. (Pun intended!)

As for me, I intend to go out in flames, and as much as possible, cheat the “death” houses from all their opportunistic and cheating way when they prey on the emotionally distressed living. Viva my revenge!