@Roni J Thank you for the support! I’m realizing sometimes what you do depends on the stage you are in along your journey.

@Nicole C. If the market was up, I planned to sell some of my stock and buy bonds in my workplace retirement account. My thought was to do this 2-3 years before I retire. My concern is if 2-3 years before I retire we are experiencing similar market ups & downs, then I would be selling at a loss. I realize I cannot predict the future, but I would not want a down market having me work longer than I planned. I will have a (small) pension and would need to draw down from my retirement accounts. I definitely can be overreacting, too. I need to take a break from watching the news😂😟

I agree. Staying the course with your investing plan is best. Keep buying. Auto investing is ideal, by the time you think to make a change it’s too late the money is already invested. This is strategy is helping me a lot right now.

@Nicole C. I was auto investing before. I read two books - How to Retire and the Keys to a Successful Retire. Each book mentions a bucket strategy which includes a bond ladder. I heard of converting to bonds 2-3 years before retirement which seems like a good time frame. But I also heard to start converting to bonds 5-7 years before retirement which seems too early for me. I’m looking for any ideas for developing a strategy. I feel too many bonds in my portfolio will slow down my growth in reaching my FI number.

@Nicole C. I have 6 years before I retire.

Hi Roni, Using the calculator at any stage might be helpful because you can factor in your retirement income sources like pensions, social security or other sources. There is also a place to include your retirements and savings accounts like 401k, HYSAs, etc. Once you input everything there is a slider bar at the top to see how long in years (15, 25, 30, etc), the funds will last before you have a shortfall/gap. It helped me see where my gap was so I strive to close it before I retire🤞🏾🙏🏾

@Roni J I think they posted the replay in the community. It was very informative and showed us where to find information on the platform. We learned how to use the DM feature too.

I just started watching the structured investing videos…completing my net worth statement and reviewing the recommended investing accounts we should have (HSA, 401k, etc). I just started my HSA account in 2025. Watching the Wealth Twins videos helped me understand why this is a great account to start and use for investing.

@Roni J the Wealth Twins have a YouTube video on HYSAs. It includes what to look for and how to pick one. Very helpful video. https://m.youtube.com/watch?v=LSFl8-8j1h8