<prompt> Human: I have around 20,000 sitting in my checking account and would like to invest my money into the market now, while its low. What are my most viable options?Ive been looking to invest in the real estate market, but Denver is crazy right now. I dont think I can afford it.Details about me: 24 years old Steady Government Job 55,000 Car paid off Currently renting 900month in Denver Metro No debt Vested in pension with govt with the option to contribute to 457 Havent made any contributions thus far Have around 5k sitting in a 401k from my old job as well as 1k in a 457 that Im waiting to roll over into my new investment account as the market rises.Assistant: would like to invest my money into the market now, while its lowDont time the market. Youll lose that battle. Just follow the steps in the FAQ. Roll your old 457 over now.Human: My 457 is currently 10 in the hole net. Does this affect your opinion to roll over now?  <response>: In b4 he tries to time the market 