The "not timing the markets" is an incredibly privileged take: for many people they are getting hired and fired cyclically -- when markets are high they are get

The "not timing the markets" is an incredibly privileged take: for many people they are getting hired and fired cyclically -- when markets are high they are getting paid and when markets are low they might not be, and might be taking money out of their savings investments; so if they are doing their best to cost average when they have cash flow that permits they might be losing money.