Charles Schwab's James Kostulias turns to the firm's fourth-quarter sentiment survey, which he says shows short-term bearishness but long-term bullishness. He believes investors are becoming "more comfortable" with volatility. James says you have to separate what investors are saying versus what they're doing, explaining how Charles Schwab clients often "sell the rip" in AI stocks that exhibit massive stock moves. He then explains how investors across different generations are maneuvering their portfolios amid the volatility.