I manage 3 portfolio's , Self taught with lots to learn, My best move was selling Jan 2000, went to 85% cash and dollar cost until the market reached 860, then went all in. Did not see the 2008/9 crash ( I was taking care of a dying family member) I did not sell, I did buy bonds and did well. Along with Healthcare, Utilities, value Foreign, Emerging markets.S&P 500 For work I am a Inventor, Creator, Interior Designer and Small business owner , Lamps and Light, cookieLight.com. Studied architecture at SCI-ARC, and UCLA.. Like cooking, Italian from scratch. Learned from Grandma..