Also would have been looking at profit taking to manage capital gains taxes in lower income years. I know WAY more about investing now than I did 14 years ago. I grew up before the Retail investing apps were a thing so no one I knew owned anything but mutual funds purchased through a brokerage/insurance agency. I'm still holding a low seven figure portfolio so I made out alright in the long run but this is the biggest "miss" I've had since I first opened a Scottrade account in 2007 (other than not letting a dude pay me $20 in bitcoin for a CD while I was in college).