According to Wikipedia, “”Pump and dump” is a form of microcap stock fraud that involves artificially inflating the price of an owned stock through false and misleading positive statements, in order to sell the cheaply purchased stock at a higher price. Once the operators of the scheme “dump” their overvalued shares, the price falls and investors lose their money.” I like to apply this to the entire stock market. I know I always get a ton of flack from all the personal finance gurus out there but hey it’s just my humble opinion. Whenever I see advice to invest your money, for retirement, education, or whatever, I think of a broad-based pump and dump scheme that encompasses the entire market. My conspiracy theory is that the baby boomers will yank all their money out leaving the next generation with an empty retirement fund. Funny if that did happen. So keep piling all your money into the market, just hope the next generation will do the same for you.