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All right, let's go to Lisa in Charlottes. Hi, Lisa. Welcome to the show. Thank you.

Yes, absolutely. How can we help today?

So my husband and I, we have between our Roth IRA and our 401 pay, he has 535,000, and I have

275,000 plus 200200 in a CD. Okay.

And I think we messed up during the pandemic when at the beginning, when it took like a big dive,

I got nervous because I'm on disability right now.

I got, I have lupus bad.

Okay.

And so we're not contributing to our IRA anymore.

And so what I did is I moved everything.

I kept it in the Roth IRA and mutual funds, but I took it out of the stock market.

So it's kind of been sitting there earning a little less interest.

So I'm wondering if we messed up for retirement or if we should move it back into the

stock market at our age or what we should do. So the 535 and the 275 are no longer invested.

They are, but not in the stock market. They're more in a secure. I put them in CDs. So four and

five year CDs. So they're earning four and five percent interest.

Oh, yeah. Okay. So not to just let you know, honestly said, but did you make a mistake?

The answer would be yes, because I just want to use this as a teaching example that what you did,

you know, it's pretty normal. People do freak out. If they start to see a dip in the market, they're like, oh, dear God, and they pull their money out or they put it somewhere else. And what we always say is the only person that gets hurt on a roller coaster ride is the person that jumps off. And essentially, Lisa, you did. You jumped off because the last, you know, few years have been 23%.

I mean, it's been like, it's been crazy.

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