<prompt> Human: Do best practices for retirement investing change when anticipating a recession and after an economic downturn has occurred?My wife and I are mid-30s, without debt, but also without significant savings. Were trying to save for a down payment on a house and, we hope, a baby in two years. Our combined annual income is 135k, employer provided healthcare. Monthly fixed costs of around 3k rent, food, entertainment.We already have an 4 month emergency savings fund and am trying to determine the next steps toward long-term stability.Thanks for any thoughts.  <response>: Read this: Worlds Worst Market TimerTime in the market always trumps timing the market. 