I largely agree with what you're saying. The only point I disagree with is 3. That's the exact same logic I used to make a large investment on March 6th. If I h

I largely agree with what you're saying. The only point I disagree with is 3. That's the exact same logic I used to make a large investment on March 6th. If I had time-averaged the investing, I would have saved a ton of money. The point is that it's near impossible to predict market bottoms, so time-averaging helps with that. If your point is that you should increase investing now, I totally agree, but you should invest the money over a period of weeks/months, not in one lump sum (which I don't think is what you're advocating).