When today's guest was last on this program back in December, he warned that after blockbuster double-digit returns in 2023 and 2024, stocks were likely to have a tougher time this year.Well, so far, with the S&P slightly down YTD for 2025, that prediction is proving prescient.So, where does he see the market headed from here?To find out, we're fortunate today to talk with money manager Michael Pento. president of Pento Portfolio Strategies.He maintains a 20-point model that guides his portfolio allocation, and today we'll hear what it's advising him to do right now.Spoiler alert: it is telling him we are at a dangerously high risk of a major downwards correction in both stock & home prices.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com