It's probably hard to look at the world through the eyes of a long-term investor. But once every six months you can afford such a "luxury"

Honestly, sometimes the blood in your veins runs cold from the realization that if a person (speaking about the market - a client) does not take certain actions right now, in a decade he will face huge problems, such as the absence of a pension, an unpaid mortgage for housing, a career killed by competition.

This is a point of no return. Like scissors.