Not a joke but i'm sure many people have lost a good chunk of their portfolios. I have sat tight and refused to panic or sell and so i'm just watching things drop.  I'm actually about to transfer a good chunk to my solo 401k in April and max it out for 2025.  $23,500.  I'm not sure what the best thing to do it. 

Being a business owner and DH in a start up we probably have more cash on hand than most people.  I do sometimes think perhaps it's not efficient.  But really does it matter?  The question I asked a friend today. I said to her does it really matter to be making the absolutely maximum return on your money?  Today her and her husband are meeting with a "fidelity" financial advisor to help them invest more and pay 1.5%. I told her to stuff it and dump her money into VTI and BND and VXUS.  Go bogelhead.  3 fund portfolio.

I told her that we are mostly bogelheads. I play our money a little but the bulk of it is in VOO (I'm a bit more aggressive than VTI).  I told her if they want to play then decide how much they can lose.  And instead go boring, and why pay 1.5% to an advisor?  If you are going to lose money might as well do it yourself right?

DH 401k - 80% VOO and 20% VXUS ( because I didn't rebalance it) 25% of portfolio

DH Roth - 50% VOO and 10% small, mid, global, and REIT 17% of portfolio

Brokerage Account 25% QQQ, 25% VOO, 10% small, mid, global, REIT 30% of portfolio

Kids 529 - VOO 100% kids total investments 15% of portfolio

Kids ESA - VOO 100%

Kids Taxable - VOO 100%

LAL's 401k - risky stock picks and QQQ 15 4% of portfolio

LAL Roth IRA - risky stock picks 4% of portfolio

Robinhood less 1% of our portfolio - this is where I've been stashing my extra mortage money.  And I've been buying literally risky stocks, crypto, etc. I probably shouldn't have since this is the money in theory I would add to our ARM mortgage, but I like having fun play money. 

Lately though I've been moving my Roth to something more boring along with my 401k to VOO and QQQ.  Those are long term investments.  And i might just focus on playing with the Robinhood brokerage.  I feel like I am conservative with most of our investments and just a little play money.