You know, you talked about dollar cost averaging.

So how often do you recommend doing that?

And can you explain what that means?

Should it be monthly, weekly, daily, what do you think?

So dollar cost averaging, Webster's Dictionary, which I don't have in front of me, someone

to butcher this, is just the process and concept of buying a fixed dollar amount on a fixed

schedule through time, right?

So allow me to realize, with your 401k contributions, it's one of the most natural ways that we automatically

dollar cost average anyways.

We put 5% of our pay or whatever the number is, into our 401k every pay cycle, where your

dollar cost averaging over a weekly basis, or if it's two weeks or if it's a month month,

you're already dollar cost averaging.

That's really what it means.

It just means instead of investing all of my money at once, I'm going to ease it in over

time.

So most of us, the dollar cost averaging that we implement is dictated by the employer

for whom we work.

If we have a monthly payroll cycle here to bound, monthly payroll cycle, Ruby, you don't

get a choice.

You dollar cost averaging your 401k and a monthly basis.

I don't even have that.

Great.

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