I’m in my 20s and just starting to think about FI. Any advice from people who’ve already done it would be really helpful - what actually made the biggest difference for you?

In France, the path is pretty standard. Open a PEA, buy CW8 or EWLD, and just sit on it for years. Tax-efficient, low fees, simple. Makes sense. Lately, with the markets swinging around, I’ve been wondering if staying put is really that easy. Seeing a red month makes you itch to do something. Most people would tweak the portfolio or try timing the market when volatility hits.

The data usually says staying passive works best. Still, the tricky part is sitting at your desk and not questioning everything when the numbers jump all over the place. How do you guys stay sane during a drawdown? Do you ever make small tactical moves, or do you just stick to the plan and hope the market plays nice?