<prompt> Human: Hi PF,Im young, have some money invested in my 401k from an employer match, no debts, and quite a bit saved up sitting in a high-yield online savings account - well past emergency fund levels. Ive been meaning to start investing, but Im a bit worried about making my initial investments right now with how much the stock market has rallied. My first step would be maxing out my IRA. I know trying to time this kind of thing is a little futile, but Im just a little worried starting out that theres no way the market can keep up this 1000 point a week climb and crazy record highs, and there has to be some sort of correction coming. Is it dumb to try and wait for at least a bit of correction? Like... even just hold out till the end of the year, max?Thanks!  <response>: In short, yes its dumb. If youre investing for retirement then just do it now. 