The practice part is important but when you are comfortable, nibble a little with small amounts.

I'm a simple man myself, so I'm answering in order to verify my own reasoning.

A. will have negative returns from inflation. D. defends against inflation but is too conservative. B. There's arguably negative value in holding more equity in terms of opportunity cost since you already have > 200% position in equity. source: I believe this guy https://www.youtube.com/watch?v=j4H9LL7A-nQ

- You will sleep 5% better every night from here on out if your mortgage is paid off

- You'll sleep 5% worse every night from here on out if you have 300k riding in the markets

With the rest, I would put some in a vanguard account. And then invest where? I want to say index funds but the market is very strange. The biggest companies have too much wealth soaked up. Is this sustainable? Is this a bubble? Who knows...

Trading yourself is just not worth it. You'll lose money long-term. An exception here is if you want to hold shares of a company long-term as a form of investment.

If your mortgage is a fixed rate at a reasonable interest, then keep it. If there's a high inflation episode, you'll be able to benefit from it.

If cash remaining -> if mortgage rate >4% pay down mortgage (locking in 4%+ yield). If you want to average 50% towards mortgage 50% VOO (S&P Index fund)

I've been watching my investment accounts, particularly the TSLA fraction, and see-sawing between "This has got to collapse soon, I should..." and "You cannot time the market, idiot".

I'm dissatisfied with the inaction, but I can't come up with a coherent theory about how I should act... Bleah.