In the investment world, there is a concept called the perma-bears. These are investors who always make public statements about how the market is going to crash or even collapse. The challenge is that the arguments that these people make often sound incredibly insightful and smart and it’s easy to be swayed by them. Of course, when looking at the data it is obvious that the stock market goes up most of the time. Although there are crashes and people moaning about all the money they lost, anyone who has seen a chart mapping out the Dow or S&P 500 since 1900 knows that enormous wealth has been created by those that simply stayed in the market. One USD invested in the S&P 500 in 1900 would have given you 130K USD today (not corrected for inflation). Although bears sound smart and occasionally are correct, it is more like a clock standing still showing the correct time twice a day. By and large, the bulls tend to be right most of the time. So, rather than letting fear and negativity lead your life, focus on positivity and opportunity!