I have an extra 1000 and plan to invest it while the market is down. As a collage student with no job so I can’t open an ira just yet and have been watching the stock market since 2022. I have an emergency fund already and no debt, I’ll also not be graduating with any. I want to put my money into a dividend paying stock like schd. Is this a good time to do it or are there other stocks you recommend?