You've been using a nice way of summarizing savings.
Thanks, just got tired of posting graphics a little.
Yes, I think where people can get into trouble is viewing the market as a given, as a sure thing.
There is no contract with the market. There is no binding of any kind that says the market has to provide a 10% return in the next 20 years.
There is no legal recourse if it doesn't.
When a fresh 20 year old college grad comes to you for stock advice out of the blue, with those glittering eyes seeking riches, you know the gig is up.
I hope I am wrong, but the odds maybe against me.