Hi @Haejin. What do you think is causing so many people to be impatient when investing? When you think about it, people have to wait 5 to 10 years for a bond to mature. Why can't people have the same mentality when investing? Why do people panic and sell as soon as the market goes down, instead of waiting a few months, or even a few years for the market to recover. The only sure way people are going to loose money, is when they're impatient, and decide to cut their looses early.