If rates stay higher for longer, cash earns more, debt becomes more expensive, h...

…tion today where valuations are stretched, people are getting ahead of themselves, the market's moving indefinitely higher consistently. But guess what? That doesn't mean the market can't move even higher and higher and higher for a very long time. So what do you do with this information, you might ask? Well, honestly, the answer is pretty boring. If rates stay higher for longer, cash earns more, debt becomes more expensive, housing stays sluggish, and the market remains volatile. But if rates drop aggressively in 2026, then the stock market could keep going higher, precious metals and crypto could go crazy, housing could rebound, and we could see another latestage meltup. I just think regardless of which one happens, the biggest risk isn't missing out on more gains. It's being overexposed to a market that's held together by expectations politics and overconfidence. The thing is, any one of those could change practically overnight. And when that happens, you could lose months or even years worth of gains in a matter…