<prompt> Human: The question is pretty straightforward. With how the stock market has been lately and how many people have mentioned another recession likely coming in two years, is it smarter to put your money into a Roth IRA right now or a high interest savings account and wait a few years until the recession hits to buy stocks and stuff then. The benefits I can see in putting it into a Roth right now is that I can have this year and next years contributions maxed out, and while in the short term theyll degrade, in the long term Ill have that 5000 accounting for around 500 in losses x 2 years 10,000 extra to accumulate the following years. Im wondering if this is a better option or if it would be smarter to hold that money in savings right now and invest later after the next recession. I know a recession isnt confirmed or anything but Ive got to be honest things have been financially good for a while now and it does make me nervous. Im not a financial analyst or anything so Id love to hear your opinions on it too.  <response>: Do not try to time the market. Literally no one can do it. No one can say with any sort of certainty that a recession is coming in the next two years, and people have been saying a recession has been coming since like 2010. You should ignore the doomsday sayers and act as you would normally. Investments, especially retirement investments, are for the long term and since they have 30 years in the market, they can recover from any potential dip that happens in the next couple years. 