The last 8 years has been a pretty good time for investing in indexes. The S&P 500 has gone up by a factor of about 2.5x over that time! http://www.macrotrends

The last 8 years has been a pretty good time for investing in indexes. The S&P 500 has gone up by a factor of about 2.5x over that time! http://www.macrotrends.net/2488/sp500-10-year-daily-chart http://www.macrotrends.net/2488/sp500-10-year-daily-chart If the market hasn't been going up enough for you to feel good about your investments over the past 8 years, you are probably not saving enough to meet your goals.