For many people, saving for retirement took decades of discipline and careful decisions. But eventually, the question changes from “How do I grow my money?” to “How do I use it wisely?” Understanding this shift is one of the most important parts of creating a confident retirement plan.

“Buy low, sell high” may be the most familiar investing advice there is. But deciding what actually qualifies as low or high is much more complicated. Deborah Ellis explains why context, valuation, your goals, and your own relationship with money matter more than the latest hot stock tip.