why haven't we had that economic rebound when you look at dow 16,000, musting growing 3.5% a year. >> every source is saying, are you buying, selling, holding? trying to figure out what people are recommending normal people like us to do? and you know, i asked one of the biggest investors in the world, big bond investor. i said, look, a big, big run. should regular joe and jane, 401(k)-holding americans be selling or buying or holding here? listen to what he said. >> at some point, you need to get off this wave. because this wave cannot last forever. now, no one can tell you whether within the next few months or years. at these levels of evaluation, it's time to take some money off the table and be more cautious. >> coming in here now, is the average investor too late? >> getting closer to being too late, but i think there's a