Indirect : Future market returns will also be terrific - hmm; that is much more debatable - and probably a more important question to answer.

No, I never said "future market returns will also be terrific". I don't have a crystal ball, and I am not in the predictions business. Market corrections of 10% or more are extremely common during an investor's lifetime. On average, the market declined 10% or more every 1.2 years since 1980. Corrections are healthy and I expect them to occur. With every such correction, the weak hands get shaken out.

Heck we just had a bear market that ended only a year ago. And another one that happened only 4 years ago.

I'm talking to people in their wealth building years who are decades away from retirement. Don't listen to pessimists who have been proclaiming that the market is overvalued every year since 2011. They've been telling you your future is bleak, in terms of expecting average market returns. They've been wrong every year.

We're lucky to be living in the greatest country in the world. No other country on earth has produced the likes of Apple, Amazon, Microsoft, Meta and Nvidia. This is one of the reasons why our market is expensive and Europe's market is cheap by comparison. You have to pay for quality, and you have to invest for the very long term (10+ years).