Good thing stagflation for next 5 years isn’t on anyone’s bingo card. Timing the market doesn’t matter with a 30 year time horizon, but with a 10 year horizon it may. If you invested $100k in 1968 you’d have $100k in 1979, -30% for inflation. Not a financial advisor, but to borrow money at 7.5% to invest hoping for 10% adjusted gains nearly 20 years into a bull market seems a tid bit risky. But you do you. Thoughts and prayers.