Brothers, the CPI is out: year-over-year 3.4%, month-over-month 0.4%, in line with expectations. But just looking at these two numbers isn’t enough to determine whether there’ll be a rate hike next time or not. For me, what’s more important than guessing the Fed’s moves is being prepared for both scenarios with my DCA (Dollar-Cost Averaging) plan. If there’s a rate hike, I’ll stick to my basic DCA plan and won’t stop just because of one night’s dip. I’ll slow down any extra investments, keep cash on hand, and allocate funds in batches based on pre-set pullback levels—rather than throwing all my money in after a small drop. If there’s no rate hike, it doesn’t necessarily mean the market will go up. I’ll stick to my original pace and won’t rush to increase my positions just because the market breathes a sigh of relief. If prices do rise, I’ll accept that I didn’t buy at the lowest point. How much I can invest each month depends first on my income and living expenses. I’ll set aside emergency funds before determining my budget. Any extra investments will come from this budget—no borrowing, no leveraging. Of course, the premise of DCA is that the assets themselves still align with long-term expectations. Broad-based indices and individual stocks can’t be treated the same way. If a company’s fundamentals change, you can’t just rely on “sticking with it” to solve the problem. My approach is simple: keep my basic DCA consistent and leave room for extra investments. Rate decisions can influence my pace, but they shouldn’t decide whether I sleep well tonight.