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I have 2009 Macbook Pro that is unable to install the latest OS. So yes, it is true.

The Market never "tops". Individual stocks may. Market corrects itself once in awhile. It is not in the interest of the banks, governments, nationals, multi-nationals. They have to keep churning the engine up. IMO.

I agree earnings is a gamble. We all have been there, done that. Lost 35k on earnings, won 40k on earnings. Over the years, betting directionals is a coin flip. However if the long run, you can master a technique and step stops, you may be able to profit from earnings.

Really depends on how honest you are with yourself. To consistently grind and make good money is going to take years. I voted 5+ more years, but realistically, on top of that we need to go through the decadence cycle. Which means you would have made it, burned it, and crash it. Can you...