I don't contribute to my 401k or I liquidate whatever is in it as soon as feasible within the tax model.

I think I have some index funds but I am going to try to put them into the DOW or gold or something.

I have some bad news for you about the Dow: the top 4 companies by market cap in the Dow are Nvidia, Microsoft, Apple, and Amazon.

I wasn't planning on investing in those. Aside from ideological reasons, I am pessimistic about their role in the economy.

I don't have access to the DOW directly, I would still have to choose individual stocks.

If you can buy individual stocks, then you absolutely do have access to the Dow in the form of a myriad of ETFs [1][2][3]. There are also numerous standard mutual funds which consist of all the companies in the DJIA. This is what I thought you were referring to when you said you'd invest in the Dow, hence my comment.

[1] https://investor.vanguard.com/investment-products/etfs/profi...

[2] https://investor.vanguard.com/investment-products/etfs/profi...

[3] https://investor.vanguard.com/investment-products/etfs/profi...

It is simple really. "I do things when they are feasible do me. so others must do things when they are feasible to me"