Another problem with waiting for a crash is do you buy real estate or stock? I’m not a salesman so I love the fact that I can buy and sell stock without any social interaction. As Robert Kiyosaki says a house is a liability. How many houses do you need? If I was Trump I would get rid of any housing tax breaks that multiple home owners are using, unfortunately the only way to do that might involve getting rid of mortgage deductions altogether, which I would not be for. I’ve had really good luck with stocks but am not currently a holder, I have a house so I’m good there too. Currently putting excess money into 401-K (ok I guess I do really own stock sorta) but have no idea what is coming economically down the road. When my crystal ball clears I will post again.