Is it too late to get into the market now?
I'm a relatively recent graduate with about $40K sitting in cash and I make about $120K/yr at. I grew up in a poor family so I honestly never learned the importance of investing early and everything. Did some basic personal finance learning (IRA, 401K, etc) this month and now I feel like I fucked myself by sitting out this massive bull market.
Is it too late now / do I wait for the dip everyone says is coming? I know "time in the market" wins...but it feels incredibly irresponsible to invest at these prices.
Any advice on what do with my money would be much appreciated.