I agree with your initial sentiments, but your fianancial advice has me wondering how old you are. If you're not old enough to live through what happened in 20

I agree with your initial sentiments, but your fianancial advice has me wondering how old you are. If you're not old enough to live through what happened in 2001/2008 then you have some serious blind spots. And I don't mean just alive in 2001/2008, I mean riding high on your investment choices thinking you're a genius only to have everything come crashing down. When things come crashing down again (and they will) you won't pull your money out because you'll think it's just a dip on the way back up. If you're young enough, that's all you know, small dips that rise to new heights. If you're older, you've seen dips that go back up, then dip lower, then go back up, and lower, etc... and each step of the way you think, don't sell now it's going to go back up. That later turns into, don't sell now or I'll lose money. And finally, you've ridden it all the way to the bottom with no cash. Let's hope in this down turn that you still have a job. Sorry, if that sounds a bit dark, but I've seen this before and you should be careful with how you invest your money. Cash or equivalents should be a component of your portfolio. I keep a few years of expenses in cash equivalents. Once you achieve that you become immune to market swings and job turnover.