Thanks! I am trying to understand what you mean. Bottom line though, i am assuming, is that investing a large portion of my income in VTSAX is never a bad idea. Is that a safe and financially wise decision?
I guess I would have to describe it as wise but not safe. Being new here, I'm afraid to link to an external site, but someone charted a century of rolling 10-year returns (including dividends) for the Dow. The results ranged from 0 to 20% annualized.
So if you invest $3,000 now, your worst-case scenario is the zero return, meaning you'll finish the decade with the same $3,000 balance. Your best case is the 20% return, resulting in a decade-ending balance of about $18,500. Those are very rough numbers, and hopefully my math is correct.
Historically, the zero returns occurred if you entered the market in about 1922, 1928, 1964 or 1999.
The 20% returns occurred starting at about 1918, 1949, the early 1980s, and after the 1987 crash.
It sounds like it's very much worth the risk for you, but luck is a factor.