The futures are pointing to a higher open on Dow and S&P this morning, with NASDAQ to continue being under pressure.  Bitcoin hit another record high at $61k this weekend but currently lower by 5%. More than 60% of fund managers weren't able to beat S&P's performance last year. Apparently such big number has been happening for nearly a decade, which should make a lot of us proud of beating these levels on yearly basis. Specially we shouldn't get into the feelings of bothering ourselves about not investing more or why we didn't catch a perfect low or a high. A consistent gain is perfect enough. Let me know what you think. Keep smiling and stay charitable.