It's so ridiculous right now. I started investing more than 3 years ago. Very diverse - different countries, different sectors, different asset classes, ETFs - a little bit of everything. Just invest and let time work for me. A month ago I was up $22k on my total investment of about 100k. Not great, but a nice reward for the time I put into research and such. Now I'm down to 5k total gain, which is laughable for 3 years, including two with high interest rates, not to mention all the time I spent on this was wasted. In a few days or maybe even tomorrow it'll probably go down further, until I'm actually losing money. Yes, it will go up again at some point. But even then, those 3 years in the market will have done exactly NOTHING for me. I would've been better off leaving it in my checking account and see it losing it's value through inflation, and starting to invest only now, or a bit later. When I could have bought many stocks for relatively cheap, like, you know, timing the market, which would've been much much better in my case.