I will let the others address your market timing leanings, but i wanted to make sure you have level set your expectations on this front.justsomeguy2018 wrote: ↑Mon Mar 15, 2021 8:32 pm What if future job options (should something happen to ours) pay us significantly less than what we make now?
How much less do you expect to make? Currently you could have an income reduction of roughly $100k and maintain exactly the same lifestyle simply by adjusting savings. This is a pretty large buffer for most people. You should still have some quickly available savings.