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Because here’s the secret: it’s rarely the décor you haul out once a year, the turkey-shaped anything, or the glittery garlands destined for a January trash bag.

Those with memories of a bear market have a “malaise that comes with the instantly gone, flickering feeling of déjà vu: We have all been here before.”

For 2026, you can contribute up to $7,500 a year, and here’s the magic: Every dollar of growth is completely tax-free.

“In four years I can be back here,” he said.

"I feel like a slight remedy is the kind of stuff that I'm doing here."