Her: Babe, it's time to sell, you've already lost half your net worth this cycle!
Me: No, i'm not taking losses, if i don't sell, in fact i'm buying more so i'm just lowering my overall cost basis
...
Dollar-cost averaging lowers average purchase price over time. For example, consistently buying $100 weekly since 2023 would yield a very different cost basis than one lump sum. Understanding your average cost basis is key.