You can’t buy a home now and seriously expect to be doing any kind of remodeling work with a straight face. There are no factory rebates built into the leases because rebates aren’t necessary – there’s no supply and infinite demand. There have been people doing their best to talk you out of taking stock market risk, or convincing you that you could hedge it away while still earning the same (or better) returns. Stock market returns took your savings from ten years ago, nine years ago, eight years ago and kept them competitive with the prices in today’s economy. Why am I taking the risk of volatility in the stock market?