<prompt> Human: I am new to the adult world and got my job 4 months ago. With the DOW and SP500 dipping so low, I was planning on dumping all 5500 for the year into my target fund retirement. So I made an IRA account with vanguard to quickly set it up and start investing. only to be hit with a complication that made me send in a printed phsyical form.so i missed this slight dip and chance of opting in at a low, that come at the right time to me for a coincidenceluck. I have a decent Efund and all. do I now default to the Normal plan and do a weeklybiweeklyeach paycheckmonthly either one of those options contribution? I know if i was comfortable with my financial position, i should still dump all 5500 at once since that was my plan with the dip. and i know not to time market, or change your plan due to a lowhigh, but with the DOW and sp500 stabilizing again, i feel i should just take the safe route on investments incase i need liquid fund in the next month6 monthsyear or so.thoughts?  <response>: If you know not to time the market, why are you trying to time the market? 