[sgbuffett]

But what they and the founder of 1M65 talked about ie S&P 500 is already so high.  Those who went during the huge dips in 2020 and earlier this year well and good.... but now coming to end 2021....

You presume market is high so anyone investing now can suffer a crash and lose money.

My comment is this
1. If really uncomfortable can wait for crash then start but history and experience shows that this strategy may not be a good one as market has as much chance of going higher from here. One is best taking the attitude that market cannot be predicted.

2. The simple hassle free to buy regularly through crash and crisis not stopping is best one for ordinary investors to follow. It takes out the guesswork and often people are bad at guessing.

3. Diversify across time and geography. If US don't do well there is rest of the world IWDA is best for long term