<human>: A little info about me:
-Recent college grad, no loans (thanks mom and dad)
-Already have a good chunk of money in savings
-Already have a 401k through work (no IRA, yet)

I essentially have "extra" money that I need to invest (over $5k). I know it's earning about $.02 by sitting in my checking account, but I'm nervous about moving it until I know what I want to do with it.  I already have a sizable amount of money in savings (earning about 1.05%). CD rates are really bad right now.

I know that the most obvious place to invest is in the market. I graduated high school close to 2008, so I think I'm just paranoid about investing in the market. I am convinced that the market is in a bubble and that we are overdue for a bear. I'm almost holding out for the bear and then going to dump my money into a few mutual funds.

Can someone talk some sense into me? What kinds of questions should I be asking myself? What strategies should I be thinking of? Anyone else been in a similar situation - fear of investing but knowing that your money is losing value every month you don't?

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<bot>: please halp, I'm sitting on a chunk of change and I'm afraid to invest and already doing the "easy" things.