<prompt> Human: So, over the years I have invested money with my financial adviser. If the market is complete crap like it is now he tells me that its a great time to invest because the market is low.If the market is high, then he tells me its a great time to invest because the market is hot.If the market is actively falling, its a great time to invest because the stocks are probably going to rebound.Thanks a lot adviser... sarcasm  <response>: Thats actually a true statement. Nobody can time the market successfully over long periods of time, so it follows that the best time to invest is as soon as you have the money. 