That’s awesome you have all those big ticket items out of the way! A pullback would be an awesome opportunity for you to dump some savings into the market and experience higher returns over time. We’ll see what happens! 🙂

You’re right, it’s impossible to predict what the future path of the market can be. I agree with your points – focus on increasing your savings rate so you simply have more money to invest, and as you approach your F.I. number potentially consider investing more in bonds, depending on what your plans are for income following F.I. Some people will be fine with a higher equity allocation if they have some type of enjoyable part-time work to bring in additional income. In general, focus on maintaining a high savings rate and let the market do whatever it may 🙂

I finally feel like in my late 20’s I have the big ticket items out of the way. Married, house, paid off cars. While I am working hard and stable it would be awesome to see a pull back!