<prompt> Human: Over the past couple years, my job moved me from a high cost of living city to a low cost of living area. I was able to fully pay off my student loans and amassed 70K in savings during that time period, in addition to my 20K emergency fund and 60K in retirement savings. Im now back in a high cost of living city and not saving as much, sigh, but I dont need the 70K any time soon and would like to invest it. I already max out my 401K, Roth IRA, and HSA. Im considering opening a Vanguard account, but not really sure where to start and, with the markets so high right now, if it makes sense to invest it all now or wait for a downturn. Any tips are greatly appreciated!  <response>: People have been saying the US Stock market was overvalued since 2012. Nobody knows anything. 