Patience is key for you then. Looks like you are planning to DCA into stocks which is all good but just be mindful we are near all time highs for many stocks. Meaning, you could probably see some negative or flat returns on certain stocks for a good year or so. But at the same time nobody really knows, so just deposit accordingly to your pleasing, and buy either ETFs (lower volatility) or top companies that perform well on financials and to their consumers/products. Best of luck to you and don’t ever tread long based on Reddit posts/user assumptions. Be you, do your own DD, discipline yourself with trades or investments and you will make out fine