Had $5K of play money sitting in Betterment. Lost all of $800 of unrealized gains; however, it is almost at breakeven for the first time since COVID. Should I cash out and wait for a buying opportunity? Still contributing to 401K....

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Do you need the cash? Why did you put in your betterment?

Then I would just adjust your risk tolerance. If a recession hits VTI VOO won’t be less affected than your robo account

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It’s not much compared to most of the posts I’ve seen in this bowl, but I finally hit $10k NW after I started working FT in August.
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