&gt;I&#x27;m preparing for a crash in 2016. Unlike back in 2008, when the FED was able to &quot;balance&quot; it out by dropping the interest rate to almost 0%, we now won&#x27;t have an airbag to save us.<p>They may not be able to drop interest rates (much), but they can always print up money and use it to buy things as a way to inject cash into the economy.  That&#x27;s what QE was, after all.<p>You may be right about The Crash, and if your only time frame is &quot;sooner or later&quot;, you are certainly correct.  We will eventually have some sort of large economic downturn.  But that&#x27;s like predicting rain will fall, eventually.  It may not happen until everyone reading this is long gone.