<prompt> Human: so i was in an auto accident a few years ago and i hurt my hip on the job. i sued the person that hit me for the damages to my self and won. i won 60000 after all the layer fees and the doctor testimony. i have 20000 in my bank and 5k in my 401k. im 29 and i want to invest it but im worried that this market is about to do something less then stellar. what would you recommend. how should i invest it. my medical bills will be covered under workmens comp so I should be good on that part.Assistant: Time in market is all that matters.Human: yes and no if i put it in the market now and i loose 45 for some reason it would be better to do it after that down turn.  <response>: Unless you are planning on retiring in 5 years that is irrelevant. 