If your model has been the financial marketplace, with advisors telling you to do the 401(k), cash balance, and defined benefits plans, you’ve just been following the majority. It’s a herd mentality and I’m not faulting you for it. But right now you should be seeing that it’s a bad model because it doesn’t produce what you really need. The 401(k) is an accumulation model, and yes, it can go up in value with the market, but when the market tanks every 8-10 years, you’re back down and starting over. And in some cycles, it can take another 6-8 years to bring the valuation back up. I’ve ridden through numerous recession market cycles since I started investing in Real Estate in 1980. I’ve gone through downturns and seen cash flows remain steady in my alternative investments, when everything else was falling apart. In 2008, after going through a failed practice sale, I was okay because my alternative investments were producing the cash flow I needed. I had Plan B income. Even in this downturn, 98% of my tenant income (rentals), and principal and interest payments on houses that I sold and carried back financing for, have come in. People need a roof over their heads and they will do what it takes to keep it. If you’ve tried buying rental properties and hated it, look, you just didn’t know what you didn’t know. That’s not an efficient model to do on your own. And that’s not how we do it at Freedom Founders. We bring together the best operations managers who provide the financing, syndicators who bring in the best opportunities in multifamily, self-storage, and mobile home properties, and fund managers that give us diversification in many different sectors. You’ve got to find the right people. You’ll make more mistakes, hit the worst timing, and won’t have the efficiency of good management if you try to do it yourself. That’s why I built Freedom Founders. And we’re looking forward to the opportunities coming in the next 6-24 months, where we’ll hit this inflection curve – what I call the great wealth transfer. Wealth doesn’t disappear. It changes hands every market cycle. You can multiply your net worth in these downturns – and they only come every so often. So you’ve got to be willing to change your mindset.