<prompt> Human: I have 50k in savings sitting in my account not making me any money. I have no idea what to invest in, I am scared of the stock market crashing soon, real estate seems to be at a peak as well. I had 10k in crypto which is now less than 3k, so I dont have a good investment history. I dont know if I should wait for a crash or invest while everything is up. I need opinions, thoughts on financial advisers or investment companies.  <response>: The best time to invest is yesterday and the second best time is today. Youll never be able to time it well, so its better to just be in for the long haul than try to time the dips. 