 presuming because you're in your thirties that this is long-term money if i showed you a spreadsheet and i said if i looked at let's say money that is invested for ten or twenty years there's no ten or twenty year time horizon where investing a lump sum versus a little bit at a time loses okay so you have all your money invested in the stock market crashes the next day could it take ten years to come back yes unlikely so what i need to know from you matt