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REDDIT

Cash on the sidelines - mistake or smart move?

O
Dec 23, 2025 · 18:42

Hi everyone!

I’ve been sitting on a chunk of cash for a while now, mostly because everything feels expensive. Every time I think about buying, I end up wondering what if this is the top and do nothing. At the same time, watching the market keep moving without me is kind of painful. It feels like I’m stuck between a fear of losing money and a fear of missing out.

For those of you holding cash right now - what’s your reasoning? Do you slowly DCA anyway, or wait for a clear pullback and then go in?