<prompt> Human: Hello all! Im new to Reddit and created the account specifically for this subreddit. Any how, lets see if I do this correctly. Go easy on me, Im not only new to Reddit, Im new to PF as well. Situation: I have 4,000 left to contribute to my Roth IRA. Weve recently had a significant increase in our income, so moving 4,000 from our 15,000 of emergency fund should be no issue and well be able to pay back that 4,000 pretty quickly. Question:Should I, due to the market being down currently, contribute a lump amount of 4,000 to my current Index Fund VOO? Its currently down 4.23 from a month ago, so I figured itd be a good time to throw that in there. x200B;Thoughts?  <response>: Yes, its a good time to throw it in there, but not because the market is down. The best time to invest is yesterday, and the second best is right now. The sooner you get the money invested, the longer it has time to grow. 