<prompt> Human: Im 24 and pretty new to this stuff, Ive had my savings sitting in a 0.75 interest savings account for 15 years, plus a bunch of money in my checking account that is doing squat.So Im considering investing in some Vanguard index funds...but wondering if right now is the right time. Is it silly to wait until the market goes down?  <response>: Market timing is generally considered ill advised. 