Good point. The "market" might be overheated, but the economy is not. There is still a lot of pent up demand. The automobile market has sat idle waiting on chips. Capital equipment markets are experiencing backlogs reaching 4x to 8x longer than typical due to material shortages. So we might see a pullback in some stock, but it should be short-lived simply due to how strong the actual economy will be.10 years is a long time horizon. The market will crash and recover 2 times before you retire.