Yeah I only hear that from 20 somethings who extrapolate their 401k and salary from past 3-4 years of good gains. It's all they've known. I used to think that

Yeah I only hear that from 20 somethings who extrapolate their 401k and salary from past 3-4 years of good gains. It's all they've known. I used to think that way, but after the two big downturns in 2001 and 2008 I am sadly a lot more realistic now..