Michelle Smith Time Quotations

Many investors ask if the market is too high, or if it's too late to get in. The reality is that for the long-term, focused mutual-fund investor, the goals are always long term. 'Now' is always a good time to invest.

One way to counter that is to negotiate ahead of time exactly how joint expenses will work. And put it in writing so you don't have to revisit the conversation every month, which can be draining.