<prompt> Human: Hi rpf,I know this subreddits philosophy on timing the market, but does anyone else new to the investing world get a tad nervous when they see the new highs the standard go to funds like the Vanguard Total Stock Market Index Fund are at currently?Say I want to start a Roth IRA this year. I know about DCA, but I have until April 15th for this year, and it would appear advisable to wait a bit for the fund to dip which natural fluctuations will happen, and then to start funneling money in. Does this seem like a good idea?  <response>: Youre timing the market, which will likely cause you to lose.If the market goes up 6 by April 1st, drops 3, and you buy on April 3rd, youve successfully paid an extra 3.If youve been waiting for a drop, youve paid an extra 10 over the past year for no reason. 