I Broke My Own Investing Rule — And It Paid Off
In this monologue, the speaker explains how, during a market crash, they chose to invest rather than panic because they already had a solid financial foundation: a long‑standing habit of investing every month since age 14, a fully funded emergency fund, and an additional "go‑on‑offense" liquid cash reserve set aside for opportunistic moves. They acknowledge that this action technically breaks their own rule against market timing, but justify it by emphasizing the discipline of consistent investing, the safety net provided by their emergency fund, and the strategic use of excess cash when a clear buying opportunity presents itself. The speaker stresses that while they don’t recommend market timing for most people, their personal financial preparedness allowed them to act confidently during the crash.
