Even more, timing the market would be like going to school or taking a "gap year" because you don't think it's the right time to put your effort into the job ma

Even more, timing the market would be like going to school or taking a "gap year" because you don't think it's the right time to put your effort into the job market. Timing is when to put your money/effort into the market, not which fund/job to pour your attention into.