Because I had no 401k or 201k or whatever, just a decent freelance gig and a non-trivial bank account. (And no interest in investing prior to the 2008 crash, but that changed in the ensuing months and years.)[/quote]
You’re never gonna time things right..You’re never gonna be able to pull out right before a run up and sit it out exactly when the market is going down or short the market on the way down exactly when it’s going down.. You’ll be wrong some of the time. You’ll lose money some of the time. Hopefully you’re right more often then your wrong, otherwise you’re just better off sticking with index funds or a mixture of passive stuff.
