Smarter than the Market?

What are the odds that the entire stock market and its millions of participants are wrong and you are right? That – in addition to the fact that NO ONE can tell the future – should be enough to convince you that you can't time the stocks market.

Lots of questions on:

What's so bad about universal life?

What should be done with excess cash from a home sale?

Taking a friend's market timing advice.

A listener's anaology supporting market timing.

What is a backdoor Roth IRA?

Plus, some constructive criticism with an apology from Tom and Don.