<prompt> Human: Mid-Career professional just turned 37, married but we handle our finances separately she makes more than me, but also still carries substantial grad school debt so these questions are just for my side of things. I feel like Ive hit most of the major checkboxes and, sitting in my mid-career stage Im not sure if Im just supposed to keep swimming or if I need to start rebalancing somehow. I had basically no financial education from my family and had to figure it out for myself, but Im in a decent enough place, I might be able to retire by 60 at the current rate.Basic stuff -- Yearly income 90k. Ive paid off my college loans car loans, I live debt free credit cards paid off every month, I pay all my needs not counting food with 3037; of my post-tax income, but give myself leeway in terms of foodeating out budget still not a lot, but if I needed to, I could cut it down by over 5037; -- its a quality of life luxury. I have a solid 6 months of emergency savings stocked away. In terms of retirement funding, I max out my ROTH IRA see question 1, In terms of 401K own employer match, Im putting 1437; down from 2437; in pretax see question 2, and I have a small taxable investment portfolio that Im slowly growing as well. I have about 10k of pure speculation money in various cryptocurrencies, I dont count on it as part of my retirement planning, but I hope to catch a piece of the next big upswing which I expect probably closer to 18-24 months given current developments.So far so good, right? Here are my questions1. Roth IRA -- Ive been maxing my ROTH IRA out at the beginning of the year to maximize time-in-market. Is it a better idea to split this out into money every quarter?2. 401K 37; -- Im anticipating an impending crash in the next 6-12 months because reasons, and have cut my 401K contributions from 2037; to 1037; with the intention of building up capital to reenter market after a downturn or possibly be able to invest in a rental property if a good opportunity presents itself. Is it a mistake to not be maxing out the 401K even with the expectation of a coming downturn? Im still in the market, Ive just pulled back on how much Im putting in pre-tax at this point, with the expectation that following a downturn Ill be slamming contributions back to maximum.3. Equities vs Bonds -- Up to this point, Ive been going with a full bore 10037; equities investment strategy, with the understanding that Im young enough to stomach a wide amount of risk and have time to ride out the variations. Is it time for me to start adding some bonds into the portfolio? Is it better for the bond-holding funds to be in a taxable or nontaxable account? Presuming Im right about a coming downturn, are there types of bond funds that are more likely to do well than others?4. Prepping for a downturn -- I think there are ample reasons to believe that a significant downturn is likely to the US economy in the next 6-12 months. My wifes job healthcare is about as secure as one is likely to get, and mine is probably pretty stable, though Im also discretely trying to move up into one of several possible positions that are both more money and guaranteed stable for at minimum next 2-4 years. Even if I dont land one of those, my current contract should be stable for at least the next 2 years. Other than a high yield savings account, are there other holding investments I could be making with the stockpiling resources that wouldnt like them up e.g. CDs or longer term bonds so that when the time is right to buy, Ill be relatively liquid and able to do so?  <response>: If you think there are ample reasons for a downturn liquidate all your savings and short the market. In a year you will be able to retire wealthy...obviously Im not serious. You dont retire for 30 years. Stay the course, Timing the market Is a fools errand 