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I buy and hold, but I also "time the market." Whenever I hear that the market had a bad day, I want to buy more stock. :D

Glad to see I'm not the only one who is actually happy when the price of my Roth fund (VTIVX) goes down. I do know though that if I were actually retired and trying to draw on this $$ I'd feel exactly the opposite. But I guess the stock market can't please all of the people all of the time. ;-)

In keeping w/ the subject of this thread, I've been saving 10% of my pre-tax income. By the end of this year, I'll probably have saved closer to 20%, but only b/c I likely won't earn as much money this year as I did last year (job change), and I'm trying to get my VTIVX fund up to $5,000 so they won't be taking any more service charges from it.

Rosie Cotton
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