<prompt> Human: Ive never really done anything in investing before. Weve been following Dave Ramsays steps and have about 25,000 in savings beyond our 6 month emergency fund and were looking to invest it. Ive been reading about IRAs, 401ks, etc, and with all the noise I see and read on the news im wondering if now is a good time to start investing or should we wait a few months to see if the bear market really takes off?Ive got an employer that does zero matching but does put the equivalent of 10 of our monthly salary into a 401k every month. They dont take 10 from our paycheck to put into the 401k for us, they just see how much our check was and then they give us the equivalent of 10 and put into our 401k for us. Beyond that Im thinking my next step is to max out a Roth IRA and then put the rest into the employer provided 401k? But is now a good time or should I wait and see what happens in the market first?Thanks  <response>: Market timing doesnt work, not now, not ever. Its always a good time to invest according to your asset allocation and risk tolerance. 