Way more than 20 is a lot different than way more than 60. Sorry that I don't have the same risk tolerance/intuitive knowledge of the stock market as warren buffet, I use my knowledge to my advantage and don't take as big of risks as he would take (hint: he had a lot more money in 1980 than i will ever have, spent much more time researching stocks, and is just plain a lot smarter than i will ever be. I am willing to admit this and take a more conservative approach).