I said I wouldn't comment any more to you, but you are at least a little fun, so I will.
I do not time the market. I started putting money in the market after college in 1989. My wife and I invested half our income for the first 7 years of our marriage, and then I have averaged putting in over 20% annually since then. We did the 50% initially because we were in an area of the country where we did not want to buy a house, so we sunk as much as we could afford into retirement accounts.
I do not own any individual stocks. My money is all in diversified mutual funds both in an out of retirement vehicles. For a while after age 35, I had some money in bonds in addition to the stocks in those mutual funds, but I have since removed bonds altogether. I did this after paying off the house and then building up an emergency fund of 3 years of expenses (well, it's a little over 2.5 years now, but it will be at 3 years by summer). I plan to keep it at this level or even a little higher after I retire as a safety net if the market drops a lot...I will then pay bills with that money and let the invested money sit and recover. The money is in a MMA, but it is there as insurance, not to make more money.
I am in my early 50s, I own my house outright and have no other debt, so I am completely debt free. I have enough money saved/invested so that I could retire right now if I wanted to, but I will likely wait until age 55 at the earliest or just start to pare back my clients then so that I am no longer working full-time then. I plan to not work at all after age 59 1/2 and very likely before that. I own my own business, so I can take on clients or not at my whim. I will have far more income in retirement than I do now simply because of all the investing and staying in the market that I have done since 1989.
So, methinks you are likely a troll, but if not, you definitely have me labeled incorrectly. You won't be fun too much longer, so if you decide to respond, you'd better make it fun, or I likely will ignore you.