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NEW YORK ( TheStreet) -- These stock market gains are totally legitimate, Jim Cramer told "Mad Money" viewers Thursday as he sounded off against the bears that have been trying to scare individual investors out of the market. Cramer explained that the prevailing wisdom among the bears is the Federal Reserve, which has, in part, created the market's big surge higher with low interest rates, will soon pull the rug out from under the economy -- a move that would be so detrimental to stocks that individuals should just keep their money elsewhere. But Cramer said that view is totally wrong. The Fed is not a helpless giant and has certainly planned ahead for its exit from the markets. He said it is true that low rates have helped companies refinance their debt, offer big dividends and snap up other companies through mergers and acquisitions. That doesn't mean that those same companies are not capable of standing on their own. Sound investors sit on the sidelines because someday the party might end? Cramer said that view is dangerous and is keeping investors from making money they rightfully deserve. He said the bears never admit they're wrong, nor do they have any remorse for keeping investors out of of 1,000- or even 5,000-point rallies. "The money is right there to be made," but only if investors ignore the naysayers and get in while the getting is good, said Cramer.