<prompt> Human: My wife and I have good high paying jobs, no debt, and no big expenses to plan for. Both of us max our 401k and dont qualify for IRA.Weve had quite a bit of money coming in, going straight to low yield savings. I hesitate to put it in the market because the market is doing so well that I keep expecting the crash right after I sink in a ton of money. So instead, it keeps going into savings and is costing me huge in opportunity costs.I realize this is the epitome of first world problems. Still, any advice?  <response>: Timing the market doesnt work.You might think you are just being prudent, but, really, you are timing the market. The market is at or near all-time highs fairly frequently. If you wait for a big downturn, it may be starting from higher prices than the market is right now, and not even go down to where prices are today. 