system
A chat on subreddit /r/wallstreetbets
human
Ok someone tell me why this will fail

gpt
It may or may not fail based on your individual financial goals. 
 A downside might be sometimes 'discount' stocks *cought GE cough* can fuck you over. Also REITs are taxed more, unless he's got them in a ROTH, in which case he can't use until he's old. 
 Also the dividend gains sitting there suffering opportunity cost. Or just call it an emergency fund to feel better about it.