Increased investing?

Makes sense to wonder. What does your personal investing plan say? (And if you don't have one, it's a huge a help to guiding through different circumstances).

We haven't increased ours. We sold our RV earlier this year, and used some of the proceeds to lump-sum max our Roth IRAs for the year. As it is, we have a set amount we invest monthly and are sticking to that.

If you think this is a down market, buckle up.

I'm FI and will leave work next year. I don't change anything when the market is up or down because I automated my investing a long time ago. Purchases happen automatically each pay period. My rule is if I have money whose job is to be invested, it gets invested immediately.

Where did the extra money come from that you invested because of the dip?

If you were sitting on cash hoping to time the market, have you measured what growth you missed out on while waiting for a dip?

If you're dipping into your emergency fund to throw more money into the market, you're increasing your risk exposure by reducing your ability to fund an emergency. Again I think about what job my money has. My emergency fund's job is insurance, not growth.

Always be buying , but yes when the market is down I try and deploy some of my reserve 5% cash when the dip is there. So yes , Being emotionally stable enough to embrace the discounted value of the Stock market when it feels like it is going down a lot- will help accelerate your journey to Fi and retirement. During COVID downturn in 2020 , the market dropped like 30% and 9 months later it was back to even and went up. Also last year 2025 April the market dropped 20 % and it was a like a month later the market bounced back.

As long as you’re not at the end game and retiring next year, keep buying , especially if it is extra funds.

After hitting FI a few months back I decreased my investing, but couldn`t resist ratching it back up to the original numbers this month. So, technically yes.

No. I guess I increase the number of ETF shares I buy because they are cheaper, but I don’t try to time the market. It has served me very well to stick to the plan regardless of what the market is doing. I’m about 7 years from retiring at 60.

I invest as much as I'm able to under all market conditions. So my answer would be no.

We are down 4%. Personally, I’d wait for a major pull back, when it drops 20-30% would be a great time to allocate more.

No more than usual but reading some of the comments I might take some additional action (at risk of "timing" the market) 😜.

Last year during the quick tariff correction/crash I pulled funds from our vacation fund to take advantage of the market. That sinking fund is some safe cash to use when an opportunity comes up

I maxed out my HSA early because of this.

We recently moved cash from a HYSA (3.25 interest) to a Roth IRA (through backdoor conversion) seeing the market was down. We were probably going to do it anyway as the deadline for a prior year contribution is tax filing and we've been doing those conversions for a while, but I was happy to be purchasing equities 'on sale' and I admit the downturn is what got me to finally do the actual transfer of cash to my investment account.

Every time we get a raise, I increase investing. Half goes toward more retirement investments and the other half goes towards taxes and increased spending and savings goals.