For someone that are many years away from FIRE i understand the decision is easy, just put in... But for someone like me that jus a few months ago found out how well i am situated, with all my debt payed off in three to five months including 500000,- house, 400000,- rental apartment and an relatiely new car, it matters a little. Because when i say all my debt payed off i mean debt minus my portifolios of funds and stocks. So i have debt, around 400000,- but in 3-5 months with todays savings rate of 6000$ a month+ my portifolios and cash equals my debts. What i say is it is a big desicion for me now i fully have understood the MMM way if i should stay in with all my stocks and even put in all my cash, because for me being relatively close to FIRE (5-10years depending on what budget we will land on and how the stock index behaves) it will make a big difference if i put all in and it crashes or if i lets say payed off all my debt now, and then started to put inn 6-7000$ a month in stocks. Do you understand what i mean?