<prompt> Human: Ive been playing it safe and hoarding cash over the last few years. In a couple months I will be completely debt free and have about 40k in the bank saved. I remember reading a couple years ago about an impending correction being due but this bull market just keeps charging on!Ive been trying to wait it out and buy when the time is right but I am starting to kick myself when I see some stocks that I bought in a game app are up 100-200. Pretty much FAANG...I do have a safe investment of about 5k in a SP 500 ETF that has done moderately well but I am still young and could afford to gamble on these big name companies right now.Is now a better time than never? Or are we standing at the edge of a cliff and I should just wait a little longer before I throw away my life savings?  <response>: Time in the market is more important than timing the market. But investing is a long term game. I wouldnt put any money in the stock market that you plan to need in the next five years. 