And you have good reason to be scared but you can time the market and get in after the bust.

We made some money during the boom times a few years ago and when we saw the dark clouds coming we converted most of it to cash.
It was the best thing we did because a lot of people who didn't lost all of their gains and more...

Prices recovered a bit since then but I sense that they'll be going sideways for a few more years so although we hold some stocks we are not buying more.