Be very disciplined. This is easier said than done. I have lost count of the number of people that claim they won’t try to time markets, or will not panic if “2008 happens again”, only to panic in 2020! The statistics are clear. Those that invest for themselves, often get 2%-5% less than the SAME index they invest in! The reasons are simple. They try to time when to get into the index. In middle school, I was oblivious to any kind of attention, especially “checking me out” at all. I was a tall, skinny kid in my mid-teens and I kept growing through several months when it was expensive to update my wardrobe. I ended up wearing a lot of clothes that were a little too small or tight.