Why? Sure a bear market will come again some day - as always. Why soon? People said the same things in 97-98 etc. Market could run another 50-100%+, why miss out on that or worse yet hurt yourself trying to short it?
Everything goes on credit card, which is then automatically paid off monthly. Zero effort on my part. Zero fees or interest. Accumulate >$2K worth of "points" per year, which I then convert into cash bc the actual rewards are stupid.