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" ... We dollar cost average into all the accounts, on a few different days throughout the month. If there is a 20% dip in the market, we’ll use some of that cash to frontload contributions for the year. We did that back on March 13, 2020, maxing out one ROTH account for the year when the markets were in free fall. We didn’t exactly catch the bottom, which happened March 23, but it’s still worked out pretty well (so far). This is the only variant to dollar cost averaging we’ll do. If markets are down 20%, that’s a trigger to max out the ROTH’s for the year. Our cash on hand lets us take advantage of those opportunities. Otherwise, we avoid market timing entirely. ... "
" ... You can start creating more impactful and engaging digital creative right now. Video is the first place to start. Video allows you to play with movement and noise so you can tell a much more immersive and emotive story that captures more attention. Vertical video is even better: People typically hold their phones vertically, so you can cover more of the screen — think Instagram Stories or Snapchat ads. It's also important to frontload your story arc. You only have a few seconds to capture attention, so you want those first impressions to be as impactful as possible to encourage viewers to keep watching and hopefully take action, whether that's through a like, click or purchase. ... "