HLS I am definitely NOT drinking the Kool-Aid. I speak ONLY about his 401k. If you choose to invest in a 401k, HISTORY and a chart of the DJI(not me, not joe schmoe) shows that over TIME dollar cost averaging works. Since none of us have a crystal ball, I can only look at history and how the market has traded. There is no financial model that can predict apocalyptic events that wipe out an entire economy.
