<prompt> Human: Ive been doing much more thinking about the future, and taking into account how history repeats itself yet we society never seems to fully learn from our mistakes... Some of the things Ive read about how large financial institutions are doing a lot of the same things they did leading up to the 2008 financial crisis and calling them something different are just plain scary. Stuff like: It seems like we could be headed down the same road to another financial collapse. I heard a lot of people lost so much value in their 401K, stocks, bonds and other investments when the 2008 collapse hit while the Wall Street folks got filthy rich.We are mid 30s with first child on the way. Wife and I both have 401ks. We have some of money in savings enough for an emergency fund and I also have company stock and RSUs that vest every 6 months. So, PF, short of keeping our savings in a mattress, what are the things we can do to best safeguard our money while still growing for our future? What should we be doing?  <response>: Market timing doesnt work, not now, not ever. It is always the right time to invest according to your asset allocation and risk tolerance.What should we be doing?Ignoring clickbait news articles, for starters. Please read the information found in the wiki particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 