I do too. I got greedy. I wanted it to go lower so I held go. Go figure it went up. I still got dry powder ready to deploy. Will be going hard on that next big dip . unfortunately given the way of the government and lock downs, talks of Monkey pox and war, a big emergency fund is now necessary. Access to liquid cash is a must.I think you got the right idea, don't think there is any rush right now. I have bought a little since the last drop but am being patient. Think there is a lot more pain coming overall for the economy
Still formulating a plan and strategy.