<prompt> Human: I am in the position right now where I am ready to start maxing out my Roth IRA. Ive had this Roth account with Fidelity for some time, but there wasnt much in it about 3000 and I was not contributing to it regularly. Anyhow, when I logged onto Fidelity to move the money into an index fund I was going to move it to FFNOX for anyone that is interested, I noticed this article on how we are entering a bear market. Within a few minutes, I had about about 7 different articles in front of me about the potential of going into said bear market and went into my full panic mode. I talked myself into waiting for a bit to see what happens to the market over the next year or so. I know that the market has its ups and downs, and ultimatley, you have to just have the stomach for this type of thing. I actually avoided contributing to the Roth in the past, because I didnt know what to do with the money. I have been on investopedia and reddit a lot lately trying to learn more about investing and get a better understanding of what I am getting myself into. I still have a lot to learn, but I was hoping that as a gained more knowledge this might some of my fears. Apparently, it didnt. Or maybe I just had a moment of weakness. Does anyone have any advicepersonal experience on how to just get over my fear? I know that this was a more general question, but here is where I am with my finances. Im married my husband and I have joint finances, 31 years old husband is the same age, have a mortgage, and am debt free with 6 months of emergency savings. I contribute 20 to my 401k. My husband is contributing 6 at the moment, but will up this over the next few years as he gets raises we are hoping to get his up to 15-20. We previously had quite a spending problem-not bad enough to wind up in debt, but we were spending money carelessly when we could have been saving it. We have since turned that around and are working to keep our spending habits in check. With our new budget in place, we are thinking more carefully about our long term goals and what we want in retirement. With all that in mind, we are making this Roth our next priority.  <response>: The key isnt timing the market, its time in the market.At least in the case of saving for retirement. 