I would hope it’s only short term. Not sure why you’re begging for the market to burn when you’ve got most of your assets locked up in retirement related accounts?? Seems kind of stupid to let your TDS cause you to want to doom yourself financially but have at it. My properties have been paid off since 2014. I’ve been paying myself a vey comfortable retirement salary for over five years now and have far more money than when I started. Even when Biden was President I never once wished for the market to burn.