Like it or not. Uncle8888 is quite sure that over your lifetime; your human asset will return the best ROC. Whatever you earned from human asset is always POSITIVE and for you to keep forever and ever. You don't have to return them unless you have obtained them illegally e.g. corruption! LOL! But; your investment return over future market cycles MAY be negative and whatever you have now in your investment portfolio may NOT be for you to keep forever and ever until you decided to quit investing! Investment return over market cycles can unexpectedly be RETURNED to Mr. Market. Young ones should focus on your best ROC i.e. your job! in the first half of working life and by 40s you should be able to know your job progression destiny and then shift all your energy to investing. By that ......