 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 10 or 20 years there's no 10 or 20 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 10 years to come back yes unlikely so what I need to know from you Matt is