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People are not sufficiently educated about the value of things, vs. pricing, appreciation and so on.

Just the fact that anybody can think that you can get 15% "risk free" over long periods of time means that they are out of touch with reality.

Not to mention people thinking they will get 10x on their investments, without ludicrous amount of risk.

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You can easily get (far more than) 15% return over a long period basically risk free by buying the S&P500, so it appears that you are the one who is out of touch with reality.

EDIT: How am I wrong?

The long run return on the S&P500 is more like 8%, not 15%.

And the expected returns going forward from here are meh. Stocks are expensive because they were valued in a 1% interest rate environment and given current inflation that probably won't last.

I probably should have clarified that I meant yearly gains, I can see how that can be confusing to read for someone that doesn't spend time on these topics.

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