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i am in my late 20s, single, not a homeowner (hoping to be NOT single AND a homeowner in the next few years) and made the huge mistake of allowing my parent to pull all of my money out of index funds back into a money market Fidelity account in 2025, when some of the major gurus were warning everyone huge crashes were on the horizon and prices had been dipping. a bunch of these guys also said we were headed into a great depression yada yada, and while i continue to personally witness the job market + AI bubble worsening, i am seeing more lifestyle spend than ever from my peer group.
again, not anybody's fault but mine, but now i'm in a huge pickle. my dad keeps waiting for the stocks to drop to get his money back in but i'm wondering if i can afford this long term. there have not been many dips in Trump's presidency yet. the problem is it's become clear to me there is major market manipulation going on and i'm afraid i'll dump my entire life's savings in and it will crash, and for a good while. it's my entire life and so i do actually need some liquidity and will likely need much of it by 2032-2035.
if anyone has any pointers or advice, i'd love to hear some. please be kind. thank you.