<prompt> Human: I have extra money that I would normally be putting in my Roth and 401k, but I seem to be buying into the hypewarning that stocks are about to tumble. I keep looking at VFINX and VTSAX to wonder if they drop a tad, to pick some up, but they havent been dropping, and my money is just sitting in my checking account. I know Ill regret losing a few months worth of gains if the market continues up, or Ill regret investing when the warnings were there. So its a 50-50 gamble right now. :  <response>: Its not a gamble. YOu need this money a couple decades from now. Between then and now the market will probably have a net gain. 