<prompt> Human: I have been thinking about starting an IRA and investing in Schwab US Large Cap Growth ETF which mirrors the DOWJ. The only problem I see with that is that the DOWJ is so high right now I dont know if it will get any higher. My other thought was the Russell 2000 Index. Im up for any advice because I am only 19. What do you think I should do?  <response>: Will it get higher in your lifetime? The chance is about 99.999999999 