<prompt> Human: I see it here often, where people are asking if they should sell their stocks, buy gold and wait out the next crash right around the corner. The truth is, nobody knows when the next crash is and even the most trustworthy experts are wrong more often than not. I came across this Chart of Shame today - a graph showing all the major predictions of a looming crash from top traders, journalists and economists over the past 6 years. In the meantime weve seen the market more than double. The best advice for retirement is to buy and hold -- only reducing risk as you get closer to retirement.  <response>: I time the market all the time. I invest and will take it out in about 40 years when Im ready to retire. Playing the long con. 