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This post is just to get some outside encouragement and reinforcement.

Over the last several months, I've developed a retirement plan and stategy and have spent the past several weeks moving the affected assets to Vanguard, where they now sit in a couple of MM funds (some tax deferred / some not). I'm ready to allocate.

My problem is, the market has moved up during the time I've been moving money, and I would rather buy low. I know this is market timing (IMO bad) but it's still nagging.
I know I can cost-average in, but I recall reading that about 75% of the time, just doing it is better. I also know that in the long haul, I'm spinning my wheels...and I am.

I know I just need to pretend I'm an adult and just do it.


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