The market pullback chatter continues. I suppose it always does, but the longer stocks continue to see growth, the louder that chatter gets, and I suppose eventually they're going to be right. I saw someone yesterday saying that there's never been a bull market in history that went over 8 years. Well, there was, actually, it ran from 1987-2000. So everybody and their mom is out there is trying to look for little hints, economic clues, etc. about when that pullback is finally coming. Don't waste your time thinking about it. There are easy ways to be prepared.This idea that you can time the markets, that you can somehow sell everything just before the drop and then buy it all back at the bottom, no. That's like thinking you have a greater and greater chance of winning on a slot machine after each time that you lose. Well, that might be true, but eventually you're going to run out of money trying your luck. Look, here's the reality- stocks be the preferred security class until the yields on safe bonds pay a comfortable interest rate that outpaces inflation. And no, I also don't know when that might be, so here's what I do: Always have something in bonds. I'm 25% fixed income right now, using the Vanguard Total Bond Market ETF (BND). If you think that stocks are looking pricey these days, go for a 50/50 mix in your portfolio. But until that pullback actually comes, keep buying stocks, even if they seem high priced.Of course I recommend shares of relatively lower P/R ratios, good dividend yields, etc., but I don't let the market tell me what to do. History has shown that there are more up days than down, so refusing to participate altogether is just going to cut you out of future returns. Just maintain those ratios. If stocks go up, sell some and put it in bonds. And vice versa, if stocks go nowhere or down, sell some bonds and buy more stocks. With this strategy in place, your dividend income should keep increasing every month. If you're not very well versed in individual stock valuation, use index funds. The Vanguard Total Stock Market Index (VTI) has outperformed 3 out of 4 professional investment managers since it's inception, and it does that automatically. Buy that and you can sleep soundly knowing you're doing better than 75% of the population, and certainly no worse than the market as a whole.