flalaw97,
Start reading some books on the market today, then come back after you've read 3 or 4.
Everybody here has different goals and time frames. Blindly following what someone else is doing (or says they are doing) is not a good long term plan.
A vast majority don't have any goals beyond "making the maximum return". They figure if they can squeak out an extra 5% a year they'll be more than ahead and live even happier in retirement. They never thought to answer the question I asked you, "What happens when you go in one day and it goes down 5%"?
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