Invest in a Roth now for 2024 tax year or just sit out and wait for it to drop lower?

So, I have the opportunity to max out 2024 Roth IRAs because I haven't hit the submit button on the tax app.

I wonder if we would be better off sitting out investing right now in a Roth with Edward Jones and just hold on to my 7k for mine and another 7k for my partner?

We have a pretty good interest rate on our mortgage. So paying that down makes no sense.

I know you can't time the market, but I also feel like very bad news bears is coming and this is just the tip.

Anxiety is real.

You Ain't Seen Nothin' Yet
Song by Bachman–Turner Overdrive