Fall will likely bring a second wave of Covid; with it the masses will pull out of equity markets all at once. Dow will cascade down to 10K as all buyers step to the side.
Millennials, strapped with debt, won't be able to provide much liquidity. Student loans will be forgiven, that freed capital will begin a true recovery in 2021 when the younger generation is allowed to possess assets for the first time. A second baby boom will occur. The 20's will roar.