Stop fooling yourself: You can't possibly know the future.

No matter how smart you are, you are NOT smart enough to KNOW what the future will bring. You can guess, but guesses tend to be right about as often, in aggregate, as they are to be wrong. Smart investors use a disciplined investing approach and don't deviate from it just because of feelings.

Plus, another listener wants to know if he should pay off his house or save for retirement.