FEAR OF MISSING OUT.

The article discusses the current state of the US equity markets and provides advice for individuals interested in investing. The author emphasizes that it is never too late to start investing and highlights the importance of having a long-term investment plan. They suggest seeking advice from reputable financial advisors or using large custodians such as Charles Schwab or Fidelity. The article also cautions about the impact of fees and taxes on investment returns and encourages individuals to seek transparency in their investment plans. [Extracted from the article]