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I’ve been trying to stick to a disciplined dollar-cost averaging plan into my core portfolio holdings, but every time I see a big red day like yesterday, I get this strong urge to double my scheduled buy. It feels like a smarter move in the moment, but I worry it’s just emotional timing and messes with my system.

I know the feeling. I tried to fight it by sticking to a fixed schedule and using dollar cost averaging. I set a simple rule to buy the same amount every week, rain or shine. If I want to tinker I keep a separate stash for bigger moves, but my core buys stay the same. It took a few months, but the urge to chase red days faded a bit and my emotional swing got smaller.

Yeah, I did that once or twice and it felt smart in the moment, then the price kept sliding and I hated that I broke the plan.

Sometimes I think the real problem is fear of missing out on a bigger drop, not the math. The plan helps keep me from overreacting, but it doesn't fix the anxiety.

Do you track how often you follow through vs bail out on red days?

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