<prompt> Human: Hello,Over the past several years, I have paid off my graduate school loans and started saving and investing. Here is a snapshot:401k: 65kRoth IRA: 44kBrokerage: 110k cashSavings: 15.5k need 15k within next 7 months for a buy-inI contribute the maximum to my 401k each year and also make the maximum contribution to my Roth IRA backdoor conversion. I am 33, in a serious relationship, but not married. No plans to ever have children. My only debt is 15k in loans from college, which are at a fixed rate of 3.5. I do not have any plans for a major purchase in the next 3-5 years I plan to continue to rent. I save about 2,000 a month not including my 401k, 460 of which goes to funding my Roth IRA and the rest of which goes to my brokerage account. I have been sitting on the sidelines with the cash in my brokerage account, waiting for a market correction. I appreciate that I cannot time the market, but I am reluctant to buy at all times highs. Should I get off the fence and invest the 110k? Invest some of the cash and do something else with the rest? Invest in something other than stocks like real estate?Would love to hear your thoughts.  <response>: Rather than hold it in cash, at least pay off your loans and get 3.5 back. 