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>> no, you don't sit it out. i focus on long-term. i focus on creating hope in people. letting them see, look, if you're going to be investing in the stock market or equities, you have to invest. those are growth type of investments. putting your money into the savings account for long-term for your retirement is risky. it's riskier than putting it into an index fund over the long term. they have to trust themselves, educate and inform themselves. >> that's an interesting point. most people would think the opposite. putting my money in a bank is not risky. putting it into an index fund, which is a basket of stocks, is risky. comes down to people's fear. no guts. worried about the market. the market is volatile and it's risky. what do you do when people tell you that? >> it's the thing about fear and ignorance allowing us to dictate financial decisions. we should never allow that. nothing wrong with being ignorant, something wrong with staying ignorant. we should never be scared of something you don't know about. a lot of individuals are scared

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