That starts now, actually. For a while, you won’t notice. But in a few years there will be less money going into retirement accounts than is coming out. At that point, Rule #1 investors are going to be in position to make millions. The point is this – this is not a market that you can just leave your money in for the long haul and expect to have a nice return in 20 years. It could easily be zero over the next twenty years for the market as a whole. Meanwhile, some stocks are going to go on sale big time and if we buy them right, we are going to do very, very well. That is what we are preparing for… a return to the S&P at 7 times earnings with tons of great companies to be had for 50 cents on the dollar. Then we’ll all just load up the truck and get rich.