<prompt> Human: I am currently contributing a large amount of my salary into my 401k, way above the 100 company matching amount.Hypothetically say we are entering another recession similar to 2008 fueled by debt and quantitative easing etc... Should I reduce this amount to the lowest possible amount while still meeting 100 of company matching and start saving the excess cash to buy in at the bottom in a Roth or IRA, or is it still prudent to put all I can afford to put into my 401k despite the coming hypothetical recession? Thanks for your help PF!  <response>: Youre talking about timing the market -- a fools errand. If you have a sensibly solid financial plan then stick to it. Time in the market, not timing the market. 