<prompt> Human: I recently read Burton Malkiels A Random Walk Down Wall Street, which advocates a super long-term, broad-market approach to investing. Given the ups and downs of the global and U.S. economies so far this millenium, and the decent chance were sitting on another tech bubble right now, it seems like I should wait for the next big crash before I start building a nest egg. Im a 25-year-old student, by the way. Am I missing something?  <response>: Yes you are missing something huge- you dont know when the next drop in the stock market will happen, and you could be missing out on years of gains if you hold off your long-term investments. 