<prompt> Human: I was planning on opening a Vanguard Roth IRA on February 1st for my wife and I. My plan was to max out both accounts for 2013, and then start contributing monthly. But now with the downturn weve seen over the last week, should I hold off? Is there any type of rule of thumb, like wait until we have 3 days in the black, or a certain percentage of increase before I get in? Im new to this, so thank you for any advice.  <response>: Dont try to time the market. Time in the market is way more important. 