Definitely be a lot better and there aren't that many bad situations at the moment. 150K is a great amount of money and you should be making some money and that shouldn't be that bad. If we can make some money from this, then that would be better to invest at the moment or be already invested.

But stop investing if it starts to go up, since we all know, it's either be 150k or less, so do not go up and buy at 140k+, because you would not make much and you would be at risk. That should be the risk and I doubt it would make any trouble. Most people are focusing on the wrong part, and that hasn't been changing that much because if you buy too late, you are going to lose money. Buy whatever you want to buy, right now.