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151. Listener Q&A with Andrew – Surviving Market Downturns, Pensions, Tax Savings, Timing the Market, Dollar Cost Averaging, Net Worth Calculations, 401k Rollovers, and more!
Feb 22, 2026

This week, Andrew and I answer your money questions, starting with Andrew’s own real-time question: should he invest a lump sum all at once, dollar-cost average, or hold onto it in an attempt to time the market? We also answer other listener questions, including how to calculate your net worth, how to account for a pension in your retirement calculations, how to roll over a 401k from a previous job, thoughts on accessing retirement funds during a market downturn, tips for lowering bills, and tax and savings recommendations as you start to reach higher incomes.  

 

Andrew joins this week’s podcast as we talk about:

– Why we don’t recommend trying to time the market

– The mental challenges of deciding whether to invest a lump sum at once or to dollar-cost average.

– What we include and exclude in our net worth calculation

– The difference between total wealth and liquid retirement assets

– How to incorporate pensions and other non-liquid income sources into the standard 25X math or the 4% rule

– Our approach to managing finances during a market downturn.

– The best way to handle an old 401(k) after a layoff and the implications of the prorata rule

– Actionable tips for lowering fixed costs like cable and internet

– Whether Andrew has six or seven bathrooms in his home and the reasons behind it

– Tax and savings strategies for those reaching the $200K income milestone for the first time

 

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