<prompt> Human: Im 23 and slightly concerned these gas prices could create a similar situation to the 2008 era for the stock market. I know I have deposited between 5000-10000 over the years.Note: I have my direct deposit spread between the 6 riskiestriskier Vanguard funds  <response>: How will low gas prices affect my 401k Roth? Should I withdraw?Who knows and who cares? It is always the right time to invest according to your asset allocation and risk tolerance. If you are nervous about the price of oil affecting your portfolio, that is indicative that you are over-invested in stocks and cannot handle the large market swings that a stock-heavy portfolio will experience. 