<prompt> Human: I have no accounts...nothing. Just a lot of cash. How can I buy some stocks right now if I decide to? I have no clue how the process works.  <response>: Stocks are not really low right now. Theyre still quite high. In fact, if you bought them several months ago, theyd be about the same price as today. Its very intelligent to invest for the long term in any case. You should buy low cost index funds that mirror broad economic sectors and shield your investments from tax in a retirement account. Then, dont sell! No matter what happens, just let it ride. Over a sufficiently long time period, you will win. 