Market timing always looks easy in hindsight: just miss the 30 worst days. The catch is that the market’s best and worst days cluster together, so getting out means risking the rebound. Don and Tom unpack the seductive math, the impossible two-part prediction, and why diversified buy-and-hold investing remains the boring answer that actually works. A 73-year-old widow asks what to do after an insurance agent who sold her two EquiTrust annuities calls with another idea. Don and Tom question w...