Buying and holding long term is how most people make money on the market. Look up compound interest. Gravy trains don't start rolling till after 20 years. People who need money in the short term; less than 3 years, put that in easily accessible stuff like money markets, HYSE, CD's and Bonds. Also, in order the qualify for long term capital gains as opposed to the short term, you need to hold something for at least 1 year.Some people can’t afford to hold 2 odd years through a financial crash. When the markets peaked in 2021 it wasn’t until 2024 that they got back up. If you invested at any point since January 2024 you’re now losing money.
Most people are really stupid with their money. See Caleb Hammer on YouTube for examples. Invest all you can now bud. Biggest regret of mine is not investing until I was 35.