<prompt> Human: Hello everyone, We have some serious cash sitting in our savings account that we have been saving up for our next house may be 2-3 years away. My only expenses are mortgage on my current house 13 years left on a 15 year mortgage - 2.75 rate and 15k on my wifes car. I am not in a rush to pay them off as I think we get a very good rate on them. I am thinking of investing part of the money in an index fund but, I am worried the market is crazy high over valued right now.Please dont hate me for saying this but, economy is always cyclical 2002,2008..it is already 2017!Should I wait for the market to cool down to get better returns or should I start moving some money into Index funds? Thanks.  <response>: Do not time the market. The best time to put money in the market is when you have the money. 