Good article, JJ. I think 2020 should also help people think about diversification of investments beyond the stock market and income beyond salary. People panic and sell when the market drops, causing them to realize what they fear (loss of capital), and so many jobs evaporated overnight.

Adding investment real estate and other assets that are more stable, non-correlated to stocks, and can produce income can help folks weather the storms that are bound to come and go.

Happy New Year!