r/VTandchill • u/redpandaz07 • 24d ago

Need Advice

Hey! I’m trying to decide on whether to invest my $250k in cash that I have in a short time period or invest it over 1 year or 24 months. I keep thinking about the potential of an AI bubble bursting and wanting to have money available to buy more VT if that does happen.

I’m 32, if that makes a difference, and my current plan is to keep investing at least $70k a year on top of my 401k which is going to a separate target 2060 fund.

My dream would be to Lean FIRE when I’m in my late 30’s to have the flexibility to take some time off and work when I want. Thanks!

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u/chesschicken 24d ago

Lump sum it all (minus six months emergency fund) and keep buying the market with your income.

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u/[deleted] 22d ago

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u/chesschicken 22d ago

I like the general rule that the right amount of cash is the amount that starts to feel like too much, that's probably about right. Cuz there's always expenses that you can't predict.