Basically like a 401k. If you feel comfortable add on the dips, which on our case is .12 or .11 or .10c. Add a few hundred dollars here and there and keep accumulating for the long haul. And yes, long haul means drive 10mph and have plenty of patience. Then the future arrives in 2021, 2022 or 2023 and your investment, 401k pays off. Add a big sigh of hopefully.