 and you're accumulating your dollar cost averaging. The same amount goes in month after month. Doesn't matter whether the market's up or the market's down. Because when the market's up, you're buying shares at 100%. 100 cents on a dollar. When the market drops like it did in the year 2000, over the next three years, 24 years ago, the market drops down 50%. Now you're putting the same amount in, you're buying twice as many shares. But you have to remember that dollar loss averaging is when you're taking money out.