<prompt> Human: I was looking into Roth IRA options and had a thought. Would I get bigger returns when I retire by opening an account when the market has dipped? Or is that not really a factor? I would appreciate some explanation about IRAs in general because to be honest, I have no idea what Im doing even though I am technically an adult...  <response>: The dip basically resets us two months. Not really that significant in the grand scheme of things.Open one, hold and keep investing until youre old, and youll be rich. Time IN the market, not market timing. 