Loved that book, the first financial literacy book I read. Than I read John Bogle book “The little book of common investing” and then my mind exploded even further.

Daaaanng. 1 week to early OP.

Right, it’s only 2-3 months of expenses for me. Not too impactful, but I-bonds are my super duper last resort

• I don’t like the idea of paying taxes when I retire if I go the traditional route. I expect to move into a higher tax bracket as I get older and I would want my tax obligations out of the way.

• $6.5k would only ding me maybe 2-3 months of expenses. I still have the $10k+ worth of I-bonds as last resort if my life really went to shit after 10 months lol

• I’ve been listening and reading articles, books, and podcasts to understand that Lump Sum is best in the long run. I understand it’s not by much that’s lump sum is better than DCA, but doing it monthly or weekly would it feel like I’m timing the market. That’s a psychological issue that would mentally kill me if I kept seeing the market go up or down and then have 2nd thoughts. I’d like to keep emotions out if I can.

• yeah you have a point. I’ll need to review my budget again to find out how much is too much and what my cash flow will be monthly.

In any given decade of the market, there’s bound to be 2-3 “bad years” for investing. But we are not fortune tellers. Nobody in the world knows what’s going to happen tomorrow, next year, or next decade. You just keep investing and in the long run… you’ll come out on top. If you read Common Sense Investing by John C. Bogle (founder of Vanguard and index funds), you’ll learn and understand that is an absolute fact.