Lokicious, you said to Splotto:

Given the huge tax advantage now for stocks, I'd probably be looking at half in Vanguard's Total Stock Market Index Fund (dripped in, starting mid-September, after the self-fulfilling crash). If she did a CD ladder with CDs where you can't lose principle if you break into them, I wouldn't go over 5% in a money market. I'd probably go with 20% EE bonds

What did you mean by "self-fulfilling crash" ?

Thanks,
Scott