> And even when they do save, we are currently looking at a market downturn. The last 5 years have been pretty rough in terms of the stock market with returns b

> And even when they do save, we are currently looking at a market downturn. The last 5 years have been pretty rough in terms of the stock market with returns being much lower than you might count on. VFIAX S&P500 tracking mutual fund closed at $212.65 five years ago, and closed at $519.60 today. By my math that comes out to an annualized yield of 19.56%, a rate so incredible I'm worried I somehow did the math wrong. So I'm curious, have I done the math wrong? Or are you saying making 20% per year in an index fund is a rough stock market?