<prompt> Human: Sooo I know everyone hates the thought of trying to time the market, but...I started working for the federal government five years ago. Ive been putting 10 into the TSP since I started working, but its been going to the G Fund the whole time. That was the default allocation and I was too dumb, lazy, ignorant, scared to redistribute to a target year fund at the very least. Yes, I know I missed some big gains. Now that Im trying to learn more about it, it seems that everyone is certain theres a downturn coming. Ive seen estimates up to 40 cut to 401k values. I have about 50k in there now. At this point, is it worth just leaving it in G Fund, try to maximize my contributions, and just ride out the seemingly inevitable storm?  <response>: I started investing in 2016 and I kept hearing, a downturn is coming! Im glad I started then. A downturn is always coming, but you dont know when. 