<prompt> Human: Husband 35 and I 33 have positioned ourselves financially to increase 401k contributions from 5 each to 15 each. I am completely ignorant of the stock market and what all of it means, but it seems like things are taking a bad turn based on what little I understand of the news. I try to educate myself, even taking a continuing ed course at the local community college, but the stock market is just something Im still not able to grasp. Should we wait to increase our contributions until a later date, or should we go ahead and increase now since its all about time in the market?  <response>: You should increase your 401k contributions when you have money to spare, not based on the news. 