### Comment:
This is a game of risk management. A 7% return over 30 years is 8x your money. A 10% return is 20x, and a 12% return is 36x. If you continuously bet like a degenerate gambler, you’ll be lucky to beat inflation: 3%. That’s what the average retail investor gets.

### REPLY:
(Insert data and talking points about trying to time the market and long-term returns).

### END.