r/investing • u/naturalhairtingz • 2d ago

Is this wealth building time?

If I increase my DCA (dollar-cost averaging) and commit to riding this out for the next couple of years, is this one of those real wealth-building windows?

I started investing later than I wanted to, but I’m ready to stay consistent and focus long-term. Just wondering if this is one of those times where you can not only build real gains but also catch up if you’re behind.

Would love to hear from those who’ve been through similar market cycles—does this feel like a time to double down and stay patient?

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u/clammyanton 2d ago

Yep, this is exactly how wealth gets built. been through a few crashes now - 2008, 2020, etc. the people who kept buying when everyone else panicked are sitting pretty now. just make sure you've got emergency cash too. Markets can stay irrational longer than you might expect.

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u/jfwelll 1d ago

Well lets not forget that lot of people who panicked either didnt have time for it to recover, loat their job and couldnt not continue to contribute and even had to withdraw.

Thats the issue and also who some people bank and many lose.

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u/Lanky-Dealer4038 1d ago

A lot of people?

Do you even know 5 or these mythical people who where DCAing and then panicked, didn’t have time to recover, lost their job and couldn’t continue to contribute and had to withdraw?

People who DCA and the people you describe are not cut the from the same cloth.

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u/jfwelll 1d ago

Dcad and panicked? Wtf you talking about. Im not talking about panic sellers.

Im talking about people whos financial situations during different economic crisis could not contribute or worse needed money. Recessions lead to layoffs and many people who lose their jobs cant dca and contribute.

And thats not even talking about people who rely on the money and are about to or just retired, or people who have already retired and see the cost of living going up and they dont contribute anymore either.

Did you care to take a look at our current demography ? You should .

Its all fun and games when we only get fast crashes and quick recovery but you dont seem to understand how bad things can snowball.

Yes, for people who keep their work and can keep contributing in the long run, if they have enough time, sure its not as much of a big deal. But for the ones who can continue to contribute, there are a lot of people who cant.

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u/Soggy-Bad2130 1d ago

agree. the moment when people like that get whiped out is simple:1 stock market crashes. 2. they lose their job. 3. inflation happens and savings stretch shorter then expected.

people asking about investing during a downturn never figure they are just as vulnerable to jobloss during a real downturn.