California E&S Insurance

You have a 60K emergency fund. What emergency are you planning for that you can’t avoid left tail risk with insurance? Brokerage all the way. You’re 34, the market will recover, even if you’re the most unlucky person in the world. And this is coming from someone who fully agrees the market is objectively overvalued. Valuations are terrible timing metrics. Put it in over a 6 month period if you want, but just put the money to work.

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