the consumer has if the jobs don't come back and profit taking. this is the most important one. at some point, people are going to start to say, i got 10%, i got 15% over the last year, i'm going to start to take money off the table. >> and invest it in something else. >> that's when you start to see the market. >> we're both in agreement that generally speaking most people should be invested in a balanced way of all the time. but just because we're setting records doesn't mean you shouldn't be in the market right now and just because it is setting records doesn't mean you shouldn't be. >> one last point, if it is money you're going to need in the next year, 18 months, you should not be buying stocks right now. it should be risk capital you're putting in the stock market you don't need to use. right? >> that's right. the end of the quarter, check your 401(k), check your i.r.a., see how it is doing, rebalance it, sell some of the winners. we'll be back with more. >> all right. >> thank you. here, atlanta, home of cnn's world headquarters, a transportation hub, now almost 200 years on, a hub, a big one, now it is for planes rather than
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