<prompt> Human: Im 25 with no debts and saved 90k sitting in a high yield savings. My annual income is 110k, and Ive maxed out 401k employer matching. I have approximately 20k in a schwab investment account. Ive read to never to time the market for a number of reasons but am I doing just that for not wanting to put a large chunk of my money into indexes due to its currently all time high market value? My current plan is to wait for a correction or crash and to invest into indexes after things mellow out. Please point out the holes and mistake in this plan. It does not feel very right.  <response>: Please point out the holes and mistake in this plan.okayIve read to never to time the market for a number of reasons but am I doing just that for not wanting to put a large chunk of my money into indexes due to its currently all time high market value? the market is usually at an all-time high. it could keep being at an all-time high for the next 10 years. Timing the market is trying to predict the future. good luck with that. 