The plan is, 2020, cashout refi, invest in SP500, then

The plan is, 2020, cashout refi, invest in SP500, then

2021, cashout refi, invest in SP500, 

2022, cashout refi, invest in SP500, etc.

Because money is put in over the years, it is dollar cost averaging.

It still takes courage to execute.

The math is clear.  It should work long term, for a decade or longer.  The idea is simple.  But to actually execute it, as I found out while doing the clicks to invest, it still requires courage.