I think confidence will come back.
Gold has two significant shortcomings, being neither of much use nor procreative.
Be fearful when the markets get greedy, be greedy when the markets get fearful.
Never test the depth of river with both the feet.
Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market.
We have a country where I don't know whether it's a million households a year or more, but good form.