The data is pretty good when the market drops 40% plus that pouring money into stocks really works out well. The data is not very good when stocks go down 10%. And so I would encourage you to if you want to do this tactical asset allocation, which even Jack Bogle mentioned was okay to do a little bit. If it's what your plan says, I think you ought to follow it. But you ought to think about this in advance. Make sure it's something you can tolerate. There are times when this could burn you. Look at the Great Depression. That sort of thing might not have worked out as well as you think.
Today Dr. Dahle answers a wide variety of your questions including what HSA contribution rules are, the importance of spending money instead of just saving it, if it is a good idea to change your financial plan to take advantage of a down market and many others! He once again talks about the importance of ditching your bad financial advisors and what to do with actively managed mutual funds when you do decide to break ties with said bad advisor.
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