[timr]

You're both predicting the future, but at least the OP has offered solid advice based on her prediction. You're just criticizing. Also, predicting that the status quo will continue indefinitely is an extraordinary claim. Clearly, market cycles are real.

Maybe you're right. Maybe she's right. We'll find out when it happens. But by your own admission her article has solid life advice that people should be following. So clearly it has value.