@nograffiti Agree, QQQ is much more volatile. QQQ Dropped 2.3% today, in one day. Because Tesla and Netflix had bad days.
S&P 500 was only down 0.66% today.
Having some QQQ is a good thing, having solely QQQ probably isn't.
@ari3l654 It will be incredibly difficult to catch up, time in market and the nearly decade of not saving will be a challenge to overcome and likely mean that you'll be working into your 70s.
Good luck!