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@slaney4 I guess I'm reading that I should expect 7% return, and therefore putting my money in retirement accounts is a no brainer and that if I don't - I'm an idiot. I thought about it and seemed more like meh maybe it will work out, so there is some discrepancy there and wondering if my...

Interested in investing in retirement accounts but have some general concerns. Haven't found much online searching about this, so feeling like I'm missing something big. Hoping to get your thoughts. - Everything I read says something along the lines of 'take any 30y period of the stock market...