(10/7/22) Big Jobs numbers come out today amid a growing climate of negativity on the part of CEO's, anticipating layoffs in coming months; workers are essentially receiving pay cuts, thanks to effects of wages failing to keep up with inflation. Why older workers make better employees. Pandemic Homebuyers are having buyer's remorse; another example of lizard-brain investors not thinking-through a transaction; more and more American's are being priced out of the housing market; Sellers' "Endowment Bias" on home pricing; the Anti-Cramer ETF; the 4% Rule is based on faulty assumptions; the importance of creating a guaranteed source of income in retirement; another look at reverse mortgages. SEG-1: Looking for Layoffs SEG-2: Pandemic Homebuyers' Remorse SEG-3: The Anti-Cramer ETF  SEG-4: The Faulty Assumptions in the 4% Rule