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@catherine_of_the_faith Woops ya you right. I think we are all in agreement, I’m just saying the general public is often given projections and calculators that are overly rosy by finance guru types that don’t take some of the nuances of stock investing into consideration.

@holywalk Agreed, however I don’t think everyone looks at year on year. Dave Ramsey famously uses 12% for expected index fund returns based on average annual historical returns. It takes a long time in the market to smooth out the effects of volatility. This can work for you or against you in...

@happyfrog I think this answer gets to the point of your question the most. There are certain nuances in traditional retirement savings that are rarely mentioned but that make it so that plugging in the average annual S & P return into a compound interest calculator is usually an overestimate...