Hey everybody, Erik Bowman here. You're getting a little bit of my windshield time today. I'm here at home Depot, I just bought some materials or I'm about to buy some materials to rebuild the fence line on my house. And whenever I am driving to home Depot or any of the retailers around here, I get that windshield time. And I got to tell you, my mind just went to the concerns of my clients and how they must feel about investing in 2020 with coronavirus one, coronavirus wave two, political or disease state driven. We have a recession with high unemployment rate after record low unemployment. We have an election coming up, Presidential, House of Representatives, and Senate all extremely important, everybody knows that. And all of it is unknown because it's in the future and you cannot predict the future. Not with any accuracy for timing the market. 

But on the other hand, we still need to be a part of this market It would seem. So, what do you do? You have to do analysis. You have to do an empirical analysis if you really want to do it right and have some basic understanding of your retirement plan. You have to do an empirical analysis and calculate things like maximum draw down. You have to use realistic assumptions that can take into account the severity of the 2020. 

Then you have to invest in a way that you will be okay and be able to satisfy your retirement needs regardless of what the market does in any way. I just had that on my mind and felt like I had to get out, get that out the door. You must do the analysis. You can't just rely on what people say. You've got to take charge of that. Get the analysis done, the appropriate technical analysis that meets your needs and goals. Anyway, there's my windshield time for you today. I hope you all have a great day. Bye

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