+1 Ryuns has it exactly right as do the many others pointing out that you can't go back or beat yourself up about not being perfect. HOWEVER, when you start to get a little wistful about a perceived lost opportunity just remember what ryuns wrote above. You are on the right track and you are on it much earlier than most so congratulations!ryuns wrote:Opportunity cost is a very real thing, and it speaks to the advice we often hear for people to start saving as early as possible. But honestly, I started saving what I could from my first jobs and was buying stocks during a cheap market. And I netted, say, 50% that someone like you didn't net. But 50% of a small number is still a small number.
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A man is rich in proportion to the number of things he can afford to let alone.
The market was 'expensive' then too.
"Squirrels figured out how to save eons ago. They buried acorns. Some, they dug up, for food. Others, they let to sprout, in new oak trees. We could learn from squirrels." -john94549
I hear the 1982-1999 time frame was a great time to be invested in the market. I missed that bull run, darn it, too busy playing ball with my friends They say if you missed investing your money yesterday or today, the next best day is tomorrow. Plant that seed and watch it grow into a tree, one that will bear fruit for many years to come. But you won't see that happen if you procrastinate. Write your Investment Policy Statement and get to it. Yesterday was a good day to invest, today was also a good day, if you weren't able to do it then, the next best day is tomorrow.
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions