Parents trying to talk me out of investing right now.

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You already know more than your parents.


You can’t time the market. What happens now doesn’t matter in 40 years Time in the market beats timing the market


The next 18 months doesn’t much matter if you are 40 years away from retirement. It is time in the market Not market timing.


There is a book you can borrow from your local library. The Little Book of Common Sense Investing by John Bogle. This book was written for beginner investors emphasizing investing in broad market ETFs like VTI for its simplicity. Just set it and forget it even during market corrections until you retire. Time in the market beats timing the market.


You can contribute the $6k without investing it, it will just sit in the cash settlement fund, so you should at least do that. I would also invest it though, as a small drop in the near future won’t make much of difference in the long term.