Don't be afraid if you miss out; in recent years, those who have managed to avoid losses and hold cash have already outperformed 90% of speculators. There will definitely be a major downturn in the US stock market and cryptocurrency market within the next two years. The next opportunity is likely at the end of 2024 or the beginning of 2025, driven by a decline in the US stock market, which will then be an opportunity to buy at the bottom.