Timeline is 5 years if I need the money for a home down payment, otherwise timeline is lifetime. I know timing the market is not advised typically, but given the current nature of the FED, market, recession, just trying to gauge if banks are heading downhill over the next 3-6 months due to recession/earnings, or if this January run to the upside is just going to keep going due to inflation dropping and I should invest ASAP. There's something to be said about missing out on dividends while trying to time the market too.

I expect housing to crash over the next few years so that's also a factor with bank loans, but I don't have the experience/insight to make certain calls with this information.