What I think is that every decade or so, there will be a market 'correction' wiping out a significant chunk of people's retirement savings. 401ks haven't been around that long, but we've seen it happen twice already.
I suggest you retire before the one that happens when you're getting close to that age.



Seriously, it's all about where you put the money. There's stuff that doesn't return much, but carries no risk, and there's stuff that returns more, but carries risk. Personally, when I gamble (and investing is gambling), I prefer to put my money on my skills, not some so called expert.

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1984 300TD