This quote from Monica Hesse really says it all:
Whatever the American Dream once was, for whole generations of us, it has been distilled down to a 3 percent match. You get to be in charge of your own destiny, was the enthusiastic promise of the 401(k). You get to decide what investments are right for you. Never mind that I have no business deciding what investments are right for anybody. Sir, I majored in English.
https://www.washingtonpost.com/opinions/2025/04/14/stock-market-crash-retirement-savings-myth/
Don’t try to time the market. Don’t try to pick stocks unless you’re doing it for funsies. Just park your retirement money in a lifecycle fund and wait it out. Don’t buy into the hyper-individualistic idea that you can control everything about your life. (That also leads us down the Just World Fallacy path!)
Emilybook 