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1. you only LOSE money if you SELL. if you are investing for retirement, you have DECADES to get that money back.
2. you could DCA, but most of the time, time in the market over timing the market. if you were going to invest anyway, go ahead.
3. we are in for a rocky road. if you have *spare* cash to invest, by all means do so. if you don't, SAVE for an emergency fund. some might say it's overboard, but I have over a year salaries worth of liquid cash in a HYSA. sure I could've invested more before hand, but times like these, I'm glad I have access to it. my health is more important than money.
I have another 30 years before thinking about retirement, so I haven't bothered looking at my accounts. its only gonna get worse from here, so whatever.
5. personally, VTSAX and chill. a tiny portion in international and bonds, but whatever.
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