<prompt> Human: Im considering investing in a total stock market index fund. Not sure if I should go all in now or if I should wait and make small investments over time using a dollar cost average approach.  <response>: Go all in now if you are able to. All-in approach beats DCA 2 out of 3 times. And its always been a good time to invest in index funds. Time in the market trumps timing the market. 