There's an amount of money you could plausibly need to avoid life consequences. You get laid off or your business fails, and you have to dip into savings to kee

There's an amount of money you could plausibly need to avoid life consequences. You get laid off or your business fails, and you have to dip into savings to keep a roof over your head and food on the table. Figure out how much that is, and leave it in cash or other extremely safe assets. This is a highly personalized number and it's hard to give good advice for it. For the rest of your money, you now know that you'll basically never need to sell it. The only thing that matters here is the total return over thirty-plus years. This is broadly-diversified stock index funds - the standard boglehead advice works great here. There's always a risk that today's stock price is the best you'll ever see, so the historically superior plan for how to get money in the market is to just dump it all in and ignore the current price. So yeah. Enough cash to make you "safe", rest in the stock market and ignore the current price and any price movements over the next three decades.