It's amazing how quickly one can go from a "disciplined" investor to making decisions contrary to their principles, regardless of how much you think you believe in them.

I too, found myself making emotional investment decisions throughout this pandemic, despite typically just leaving my money in ETFs and rarely checking them.

It was a perfect storm for me. Other life events – moving, buying a car, burnout at work, etc. – helped create a psychological cascade that eventually won out on one rainy afternoon. Had a few other events not been there, might have been a different story, but that's the point of this guide. Regardless of the event or series of events, it will help keep the strategy clear and psychology more intact.

Love to see Crypto as 5% of the portfolio. It's one of the few asset classes that's not very correlated with the overall market, so reasonable addition to classic MPT.