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I wish I had some savings and 401k. It's tough to have fun on a budget that doesn't include booze, strippers, and gambling. At the same time, the stuff I've read suggests that that isn't necessarily the optimal approach either. If you buy today, you really have no idea if it'll continue to slide (in which case you should've waited even longer), and if you buy tomorrow, you might have lost out on any gains that happened today.
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