I don’t know if this is what some people would call life changing money.
safe bet: long term investment for retirement or to buy a house.
dreamer me: study the piano bachelor you always said you wanted to do, even if it’s just the bachelor, and not a master, even if you’re doing it not for the money or fame, but just because you want to play and maybe teach part time, but mostly because is something I enjoy doing, even if teaching the piano is mostly a side job to my main job.
I don’t know what to do. Feel free to read my previous post, because it’s related to this one.
That just means no extra money during these times.
You don’t need to try timing the market.
You operate with thresholds instead: the $150k have become $150k + x -> move x to stable assets and wait until the next time there’s x extra.
What’s not working is trying to have a reliable, stable source of extra incoming.
Skimming gains is possible though.