We can't really even match the long-term stock market averages. We tend to make more money when times are good (when the market is high), and less money when t

We can't really even match the long-term stock market averages. We tend to make more money when times are good (when the market is high), and less money when times are bad (when the market is low), so if we invest money as we save/earn then we're generally buying high. At some point you wonder if you should just give up on saving and instead invest it into a business or a duplex or something.