The key here now is you invest in the markets up and down. So when you see the market crash happen, you don't stop. You keep investing. The only thing that you would change is potentially buy more. If you're investing for the long term, who cares what's happening in the next two months or next two years? You are investing for the next 20 years. I call it a decade of sacrifice. And all you need to do is invest in those three things and set it and forget it essentially. Now you can just set it, remember, automatic.