Concur 
percent! Thank You @Bobby-CA
Also, you’re NOT presenting “gloom & doom” (as some have expressed in other posts on other threads). You’re calling it just like you see it from an objective, realistic observer standpoint. The situation that WE ALL face presently in our wonderful USA is overwhelming, precarious, and fraught with trepidation . . .
History has CLEARLY demonstrated what happens when trust is lost in society. Being directly honest reinforces the trust placed in each of us.
As I concurred earlier today on a different thread posted by @notarybyangela16 : "it’s fair and ethical to be real with them. And this is what most of us are doing: BEING REAL."
Again, it’s certainly not “gloom & doom.”
If someone is basing future financial decisions upon the data, input, insights, & wisdom that we impart, it needs to be moral, forthright, expressed with candor, and last (but not least) NOT sugar-coated, dishonest, or misleading.
As a 3-time cancer survivor/thriver, my plan has always been (and continues to be):
Plan for the Worst, and Hope for the Best!
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Being a Realist enables you to effectively combat all that confronts you.
