<prompt> Human: I am a 22 year old, one year out of college. Recently promoted to six figure mark and have put most of my income in a savings account. Despite this, Ive put almost nothing into my Roth only around 2,400 total. I understand the law of long-term investing and making a return further on the horizon despite short term volatility, however, I have a strong negative gut feeling about the current immediate global economic outlook. Potential housing bubble in China, potential trade war and mediocre political stability within the U.S. makes me feel like whenever I move money to a higher risk investment, it is going to go down the toilet and stay there. Im not trying to have a political discussion and people still made money during the Cold War, but from a personal finance perspective; why is saving big and saving now the right move? What viewpoints might help kill those fears? Thanks!  <response>: I have a strong negative gut feeling about the current immediate global economic outlook. Redditors have written this sentence, or a sentence like it, since 2010. If those people never invested, they missed out on up to 188 of profits. Their 1000 in 2010 would have been worth 2880 now if they had invested in the SP500, instead in the bank account it is now probably worth 1080, or less.Looking back 40 years, the value of the SP was 96 at the beginning of 1974, and 73 around the beginning of 1975, a decrease of almost 25 . So 1974 was a terrible year to start investing. Or not? Because the current value, as you know, is around 2750. Plus it threw off some dividends in the meantime too. So if youre looking at investing for 30 years, then youd just have to start now and continue to invest too, of course. 