"Buy the dip!" is what everyone says but every time when a dip happens, I do find myself not having enough spare cash on the side to make a purchase. This is because I maximise my salary every month into investment and also because my salary is not that much (which is mainly the reason haha). But I prefer to stay invested and hold on to just sufficient cash on the side eg. emergency fund plus some spending money and bill payment money so when the dips happen, I tend not to have available cash on hand to double down on investing. I have been trying to stash aside some amount of money monthly to build up my war chest but I find myself still depleting it after a while of building up. I do see people with huge war chest on the side waiting for the right time and I do wonder if I am doing things right....