35M. I have about 70% of my money in HYSA and T-bills (I know I know, too safe). I’ve made the bulk of my money the last 3 years. My logic has been the market will eventually crash so why buy in when I know it will be cheaper at some point soon-ish.
Problem is the HYSA act is now pretty much earning nothing with 3-4% inflation.
Do you think I’m being too safe? Should I put most of it into VOO/VTI and just take the risk? Thanks in advance!