<prompt> Human: For the past few years Ive been slowly adding money to a money market savings account. My father always suggested I invest that money, but Im pretty risk adverse. I figured my money may not be working for me, but at least I dont have to worry about market downturns. About a month ago I gave in and moved a good chunk over to a Schwab individual account made up of an ETF and several mutual funds. Since transferring the funds over the market started its fun ride and Im down about 4.5. The question is, should I continue to move money into the account? Or move it to savings?I get that these are long term investments, and I should wait it out, but Im pretty unnerved by seeing red, and the continued uncertainty in the financial market. Edit - So many great replies, so little time. Thanks to everyone for your advice!  <response>: I like to think of it this way - NOT investing the money to save for retirement is RISKIER than investing it, unless youre a millionaire as is and are able to retire comfortably even with the most conservative investments. Most people need their money to work while they work. Dips are hard to handle, but switch your mindset. Dollar cost averaging means youre buying more shares in a dip.And if the economy tanks and never recovers, we have may more to worry about than the money you put in. I mean, look at places like Venezuela and the hyperinflation theyre facing. Didnt matter how much money they had; everyones on the same boat basically 