conversation: User (xerept): "21 year old here so forgive my ignorance but I was wondering when would be a good time for me to add more money to my IRA? \n\nFrom what it shows me since I am still young, Vanguard has invested, and probably will keep investing in Stocks for a couple of more years until my target retirement in...I forgot what year but its not any time soon.\n\nSo I originally had $1k in my IRA and now it has dropped to ~$930 due to to my IRA being 91% in stocks. While I am not worried about it dropping, I was wondering if there would be a key time for me to add more money into my IRA? I am well ready to put in another $1k but I'd rather get the most out of money and not have it (for lack of a better word) crash."
  Self: "General Rule of Thumb\n\nThe market will go up by the time you need the money in 40+ years\n\nIf you can afford it, put it in. \nYou will be getting more bang for your buck when the market is down.\nIf you don't have the liquidity (Emergency Fund), don't put it in. "
  