...... and they are both down big time because of it. Who knew that it would have been better to DCA more slowly throughout this year, rather than maxing them both as quickly as possible. I'm 31 with goals to retire at 50. I'm invested in VOO, AVUV, and VXUS mostly, and feeling the pain. If I plan on buying a house in 3 years, where should I put my W2 wages going forward? SGOV and chill?