Howard Davidowitz of Davidowitz and Associates is unwavering in his bearishness. He believes we are in for a tough road ahead:
Part 1 – The consumer is worse off than before:
Part 2: Who wins in this downturn:
Part 3 – We are Japan:
![Cullen Roche](https://pragcap.com/wp-content/uploads/2022/01/Headshot2022-1-144x144.png)
Mr. Roche is the Founder and Chief Investment Officer of Discipline Funds.Discipline Funds is a low fee financial advisory firm with a focus on helping people be more disciplined with their finances.
He is also the author of Pragmatic Capitalism: What Every Investor Needs to Understand About Money and Finance, Understanding the Modern Monetary System and Understanding Modern Portfolio Construction.
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