 got better, that's when they decided to jump all in. Well, by then you've already missed out on a portion of the gains. This is exactly why studies show it's more about time in the market versus timing the market. If you stay the course when you're working, when you're in the accumulation phase, that's the best path forward. Don't let the emotions get the best of you. But now we also have to readjust where we're at as we move from that accumulation phase to what's known as the distribution phase.