<prompt> Human: Hey everyone!So I have the 5,500 to max out my Roth IRA in 2018 I am self-employed if that helps have an emergency fund, two savings accounts one for immediate liquid needs and another in a money market account debt free yadda yadda. But the market is super hot right now, not exactly the most ideal time to buy. Would it make sense to keep an eye on the market and buy when if it goes down? Break my 5,500 into monthly payments? Watch the market and if it doesnt go down then pay in full later in the year?Is this a dumb question? Okay I know, dont answer that.Thoughts?Assistant: Stop trying to time the market.Human: So I should just contribute on roboauto pilot without any thought about what is going on around me? I got royally ed doing that, buying a house right before the crash in 08.  <response>: For money that you are investing for retirement, which is decades away, yes, you should not really worry about what is happening in the short term right now. 