<prompt> Human: I had finally set up my Roth IRA and transferred 5500 to the account - with the market being so high right now would it be wise to wait for it to come down before investing into a fund?  <response>: I truly stand by the adage that the best day to start investing was yesterday and the second best is today. Yes, the market is high. I think were going to have a recession very soon. Absolutely want to buy low and sell high. In the end, its all paper money till you sell it. Dont try and time the market unless youre an expert. Compounding interest is such an amazing thing. You can get yourself caught waiting and waiting. Those dividend can make a huge difference. The market is all perception and perception can be wrong for a long time. Our economy is setup to have highs and lows, its going to happen both ways.Edit: I got out of college in 2011 and was really disappointed I had just missed putting my money in 2007 as the market had recovered by then and more. Maxed out my roth first thing in 2011 and glad I did. 