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@drphileo When stocks take a dive you hold and continue to buy more. When it recovers you will be in a better spot than when you started. This is only appropriate when you have a longer time horizon. People with short time horizons (like they want to use it to buy a house in next couple of...

@laquacc He said he did have income in 2023

@princessoflight Are you able to make a contribution to an IRA

@paulnolivia If you want to set and forget choose target date fund, if you want something more active you can pick your own mix. At your age I’d only look into equity funds. Most investors overweight US to international and then within the US markets they will overweight large cap to small.