The Schwab etfs are at low prices. Get their equivalents. Schx is the Voo equivalent and is around $27. If you like an etf but the price is high ask ChatGPT (or whatever ai ) for an equivalent t etf that has a cheaper price with similar or smaller management fee. The idea for the old man pile is to never sell. You can have a degen pile where you are more concerned about timing and optimizing growth but make that a smaller pile. Always try to have some cash for emergencies so you never have to sell from the old man pile. (Old man pile is for retirement or for a big purchase such as a house) We all take Ls your not alone. With enough time though the old man pile will come through

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Just DCA into schx, schf, sche for easier system (or just vti)

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