I'm sorry you're in the situation that you're in, but if the market was easy everyone would be in it getting rich! Even though I believe 100% in monks concept here, it also takes a lot of discipline to see that plan unfold as there will be times when your account is down quite a bit, as mine in cdiv is right now, but that being said we wouldn't be doing something that will make us all very rich in the end if the past few weeks weren't flooded with incessant posts by the bashers. That alone has been very melodious to my ears ! It may be tough for you and the friends, family members you brought to the lockdowns right now, but in the end they will thank you for it I'm sure :-)