Smell of Desperation, page-75

"...part of the learning process."

Please try and think outside your square.

I believe that most mum-n-dad investors are not here to learn.

Some may have invested out of desperation in LTR when banks were paying one or two percent, but that would be the extent of financial interest.

Most would not be anywhere near @Suzi level.
(sorry if tag is wrong, I'm on the phone app with limited function)

I would go so far to speculate that of the mum-n-dads who've cashed out (especially if they have taken a hit), that the majority will not return.

While not as sophisticated as you and yet not a novice, I myself was in the process of bailing out when I stumbled upon LTR.