for what may already be here and some views of mind a bear market to do so we are joined by brian livingston the author of muscular portfolios brian welcome first of all you're a dot com entrepreneur and journalist and and don't manage anybody's accounts i want to get that out of the way you're not making money from people trading people's money except for you want them to manage their own money that's a pretty noble cause why is that such a key thing for you brian and welcome it's nice to be here people have thousands and thousands of dollars sometimes in there for a one k. plans are there ira plans are there other savings plans but people don't have training and how to protect their money from going down fifty percent or more the next time the s. and p. five hundred crashes. and you and i spoke earlier about you know what approach inevitably you know in this in a down market whenever that happens maybe now maybe a year from now who knows but you suggested a real diversification what do you suggest as the best way for investors to diversify brian. now we have low cost index funds and it's b