Brought to you by the Every Dollar app. Start budgeting for free today. Let's go straight to the phone lines where we have Avery in Newport News, Virginia. What's going on, Avery?

Hey, Jaden, Rachel. It's so great to talk to you. I can't wait to see you guys in May. Awesome. Oh, you're kind of the total money makeover weekend. Oh, yeah, absolutely. And I'm

bringing a friend, too. Love it. That's exciting. Oh, love that. How can we help today?

All right. So here is the situation. My mom always says the strongest thing in the universe is

compound interest. My brother always says time in the market beats timing the market every time.

Let's go. And I thought I was smart enough to time a dip. I had about $21,000 worth in a

Fidelity Mutual Fund in my Roth IRA, and I sold my positions on it back in September. I was going

off a bad hunch and have watched the market rally by at least 20% cents,

and I've calculated that I missed out on about $4,000 worth of gross.

I'm kicking myself.

I still contribute weekly, but that $21,000 is still sitting there in the account.

I feel like I've learned my lesson, but what do I do now?

Should I buy back in or should I wait for the rally to end and maybe buy in at a dip?

Listen, I'm glad that you've learned your lesson, and I hope that it sticks.

Do you have any debt?

I have no debt.

Okay. Do you have three to six months of expenses saved? Yes, I do.

Awesome. Listen, I'm getting back in today. And from here on out, I'm adding 15% of my gross income to it every single month.

Okay. Today?

Yeah. How are you feeling? Are your armpit sweating what's going on yeah i feel

i mean i feel like i don't know if i buy now i feel like if you wait you're timing the market again

that means you haven't learned your you haven't learned your lesson yeah every yes okay

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