How do you think about whether it makes sense to slowly invest over time, invest all up front, or even potentially kind of hold out and wait for the market to drop and try to buy at the bottom? What is the maximum theoretical value going to tell you? And then there's what should you actually do?

And what you should actually do is not necessarily the thing that's going to maximize to the scent of the expected value of your portfolio. Like you have to behave in a way that makes sense to you, that you're comfortable with. If you're sitting ready to invest, but you haven't invested a lot now, investing everything at once and then seeing the ups and downs in the portfolio as the market moves around, that may be a very painful experience.

If you're not used to seeing that, that would be an argument to step in a little bit at a time.