

When did you exit your positions and when do you plan to reenter?
I never had positions to exit. Was on the struggle bus financially for a long time and even had to declare bankruptcy back in 2013.
I started making more money and finally being able to really save and invest in late 2020/early 2021 but with Covid and everything being all crazy I wasn’t sure of the market as I’ve had no prior investing experience and didn’t even have a 401k. So I started aggressively paying down remaining debts and saving instead.
Currently my only debt is my mortgage, which I should be able to fully pay off (well ahead of amortization) in the next five years or so, and I’m currently living well below my means to save for retirement. Currently I have probably 18 months to two years of expenses in the HYSA.
I was planning to begin investing and putting funds in 401k or a Roth IRA this year, but Trump happened and I’m as lost as ever. I prefer the safe bet of the saving yield right now to potentially losing a ton of money, seeing as the markets are just falling everyday from what I can see.
If you haven’t already, check out Upgrade, by Blake Crouch. Good book, similar premise.