I sat out the COVID crash with $500k in cash… and I still don’t know what to do. Anyone else in the same boat?

** missing info I’m 28m married no kids (planning) own a home 25% down 590k mortage , car cash , own a apartment bought for parents (350k ) no loan but it’s for my parents untill they pass

Have about 1m total but 500k for living 500k for investing

I’m in music Bussiness I’m a singer so income can be inconsistent but I’d expect between 200-300k a year depending how songs do ect for the foreseeable future

I’ve been sitting on $500,000 in cash since early 2020. When the COVID crash happened, I froze. I thought I’d wait for a “clear bottom” or more certainty.
Then the recovery took off… and I missed it.

Fast forward to today:
• Markets have rebounded hard
• Inflation, interest rates, AI boom, and global instability all make me hesitate
• I’m still just sitting here with half a million dollars, unsure of the “right” move

Here’s what’s holding me back:
• I don’t want to buy in at the top
• I worry about inflation eating my cash
• I’m tired of trying to time the market — but scared of going all in
• I’d love passive growth, but also safety

I’m not looking for a magic answer, just real talk:
• What would you do if you were in my shoes right now?
• Is DCA still the best path?
• Where do you see long-term opportunity in this market?

Anyone else who sat out 2020 and still feels stuck, I’d love to hear your mindset — or how you finally made a move.