Anonymous
12/17/2025 09:26
Subject: Too much money on the sidelines
Anonymous wrote:That's good advice but if I'm already in cash and I know institutional investors are exiting broadly across the market, probably because of the crappy jobs report, I may as well wait a bit longer.
Same- I'm not really doing anything differently in terms of regular savings, but have an unexpcted ~$30k cash that I'm not rushing to invest right now.
Anonymous
12/17/2025 09:14
Subject: Too much money on the sidelines
That's good advice but if I'm already in cash and I know institutional investors are exiting broadly across the market, probably because of the crappy jobs report, I may as well wait a bit longer.
Anonymous
12/16/2025 15:03
Subject: Too much money on the sidelines
Just today I cashed out $100k from my brokerage account to fund my cash account for next year. The cost basis was 17k in 2011. That's over a 13 percent annual return for 14 years.
You have to think long term. Sit on the sidelines at your peril.
You have to think long term. Sit on the sidelines at your peril.
Anonymous
12/16/2025 14:57
Subject: Too much money on the sidelines
Anonymous wrote:That hilarious because I remember how much millennials were complaining about how unfair it was to start their careers after the housing financial crisis.Anonymous wrote:Anonymous wrote:We have been ALL in (maxing 401ks/investing in taxable) since the 2007/2008.
Ups and downs are expected but I can tell you that we have ZERO regrets! Our portfolio shifts in noticeable amount on any given day but the returns (unrealized) have been amazing!
Same. I feel like I lucked into the best possible timing by starting my first post-grad job in 2008, buying into the market at an all-time low, and buying my first house in 2010 at a steep discount. The blips along the way have been nothing in the big picture. I keep thinking it's too good to be true, and the rug is going to be pulled out from under me at any moment.
No judgment but just asking, how were you feeling about it back then?
Also, many people who begin FT employment in a recession never catch up earnings-wise compared to peers who did not. Hoping for a recession is not a good idea.
Anonymous
12/16/2025 13:11
Subject: Too much money on the sidelines
That hilarious because I remember how much millennials were complaining about how unfair it was to start their careers after the housing financial crisis.Anonymous wrote:Anonymous wrote:We have been ALL in (maxing 401ks/investing in taxable) since the 2007/2008.
Ups and downs are expected but I can tell you that we have ZERO regrets! Our portfolio shifts in noticeable amount on any given day but the returns (unrealized) have been amazing!
Same. I feel like I lucked into the best possible timing by starting my first post-grad job in 2008, buying into the market at an all-time low, and buying my first house in 2010 at a steep discount. The blips along the way have been nothing in the big picture. I keep thinking it's too good to be true, and the rug is going to be pulled out from under me at any moment.
No judgment but just asking, how were you feeling about it back then?
Anonymous
12/12/2025 11:55
Subject: Too much money on the sidelines
Anonymous wrote:We have been ALL in (maxing 401ks/investing in taxable) since the 2007/2008.
Ups and downs are expected but I can tell you that we have ZERO regrets! Our portfolio shifts in noticeable amount on any given day but the returns (unrealized) have been amazing!
Same. I feel like I lucked into the best possible timing by starting my first post-grad job in 2008, buying into the market at an all-time low, and buying my first house in 2010 at a steep discount. The blips along the way have been nothing in the big picture. I keep thinking it's too good to be true, and the rug is going to be pulled out from under me at any moment.