 I've listened to almost all of these videos. I haven't heard about what may be to do with a lump sum of money, meaning we're sitting on a larger cash emergency fund. It's too large and I know it should be invested. It's earning 5%. So when markets went back to all-time highs, we figured we'd take the guaranteed 5% versus a continuation. I'm also not one to chase and usually wait for the pullback as well as an advocate of buy low, sell high. But what if the high is the new norm?