Since Liberation Day, we’ve seen some big swings to the downside, leaving a big opportunity to scoop up shares at a discount.

If you were paying attention to the financial news yesterday, the 90 day pause saw an almost instant reward if you bought on the way down. Showing rises in almost all stocks, but we are still a long way from where we were when these tariffs were put in place.

4/10/25, Futures are dropping as I write this, mostly because people are realizing the big question after the 90 day pause. What happens after the 90 days? Do we go back to the tariff board and impose these radical tariffs again? Out of the 75 countries that are calling us to make a “tariff deal”, which ones are the ones that matter most to the USA’s import/export?

With futures dropping, I think the market is aligned in knowing that this is a huge unknown, causing that fear to rise up. The VIX sits at $36.53, above the 30 threshold of general fear in the market.

We’ll see what happens today after the market opens at 9:30, but it may be another red day, erasing those gains from 4/9/25. So, keep strong, and this may be yet another buying opportunity. As always do your own Due Diligence and make sure you’re buying quality companies with these discounts.

Keep in mind that if after 90 days, the countries that did not call in to make a deal may be retaliated against. Which means, it could still cost more at the store for your clothing, food, and other products. Don’t invest with money you need for rent, food, or other essentials.

Will we end today Red or Green?

Happy St. Patrick’s Day!

How are you celebrating? Buying stocks that are in the green?

I know the traditional colors of today are green, but I rarely buy any stock that is green at the time of purchase.

Do you have any fun market holiday traditions?

Today let’s take a moment and be grateful for where we are!

Let’s focus on the fact that we’re in the market, and that’s the first step.

We’re working our way to Financial Freedom along with Early Retirement.

Is there something else you’re working towards?

Are you trying to time the market? Are you trying to determine the “bottom” of the market?

What gives you the certainty that the tide is changing and the bulls will take over?

Are you a technical analyst looking through charts to give you an edge?

One thing a thrifty investor does is buy on the way down. We know, time in the market is better than timing the market. If there is a bottom, and you bought on the way down, you get to ride the wave up. Trying to time the bottom, you might miss it, and then you miss out on the swing up.

I unfortunately do not have the time to analyze charts and learn new technical analysis, but if I did have enough time, I would. I would love to know more about charts and getting the edge, but for my main portfolio strategy, I don’t worry about those things.

If my stock is down, and I still want that company, then I keep buying.

How do you time or measure the market? Do you buy on the way down, or do you time it?

How do you manage your wealth? Do you have a wealth manager? Do you have someone you lean on for financial guidance and advice? Do you pay for a wealth management service?

After reading many investment books, one thing popped up over and over again. Invest in yourself. If your portfolio is mostly index funds, ETFs, and bonds, you’re more than likely not needing a wealth management service. You should be able to manage that yourself.

If you’re a hands off type of investor and you don’t want to do any research at all, it might be good to look into Robo Investors. They are set up to match your risk tolerance and fill it with stocks, bonds, and ETFs. Usually Robo-Investing doesn’t cost much in management fees, because of the automatic nature of it.

There are a lot of apps out there that say they help manage your wealth, manage your portfolios, but some of those apps that “help” also cost a lot in monthly subscriptions. Please be aware of all costs involved and do your due diligence.

You could always take that subscription money and go buy a few books and learn to manage your own wealth. I understand once you accumulate enough wealth and/or real estate, taxes and advisors make sense, but when getting started, you need to be able to save every last penny, and put that money to work.

Do you use any Wealth Management apps or services? Tell us below!

Well I hope you’re all paying attention!

Lot’s of stocks and ETFs on sale today!

I know it’s hard to look at. Many favorites getting cut down. Stalwarts hitting over one year lows. It’s a lot to take in.

Breathe a sigh of relief and if you have some dry powder, maybe start inching into positions. Grab a lower average cost. Don’t go all in, who knows how much further things are to drop.

The SPY and QQQ are down. If you’re not in these index funds, right now is a good time as any. Over time, we know the market doesn’t stay down. So when the indexes matching the market are down, you may as well scoop up what you can!

Don’t use funds you need for rent, food, child care, or anything like that. Only invest with money that you don’t need for those important life things.

Also, I’m not a financial advisor, do your own due diligence. I’m just a thrifty investor like you, and I’m excited to see where the market goes from here.

Up or Down and for how long? Tell us below!