“California Governor Jerry Brown’s revised budget for 2018-2019 projects revenues will be 30 percent greater than 10 years ago, but less money will be available for public services. … 'Those who declare that they want higher returns must also recognize that they are also implying a willingness to risk lower returns to get them,' notes Ritholtz, who adds, 'of all the things returns are based upon, they are never dependent upon what you need or desire.' …”