If you want to flatten your Wallet much more than your Ego; then do this - More Investing and Less Analyzing . Check your 3M’s - Method, Mind, and Money. Place more focus on Mind and Money . Your method may be simple; but your Mind must be strong and steady. Your Money management must be sound so that you will have some money to invest in long bear market – buy slowly. While you may not buy at the actual market bottom; you may be able catch at least some near the actual market bottom with sound money management.