"Last week is the time you should have either bought or sold, depending on what you didn't do."
Unknown
There's nothing worse than telling others what they should have done/not done after what they did/didn't do is past, other than doing so vaguely.
If your consultation and recommendations are not specific, in advance of whatever they're about, they, and you, are of little value.
I know; I've occasionally been guilty of hindsight consultation.
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