30. maybe there just isnt another alternative when it comes to retirement
The only other method i see is hiding a little bit from your paycheck every week underneath your mattress.
I'm sorry, the market based retirement system (Along with SS) seems to work just fine for 99.9% of the people who use it. Almost any CFA (certified financial advisor) advises you to atleast put some in the market- i guess they are those "evil banksters" so i'm not surprised.
And yes- we do all have skin in the game- directly or indirectly. Do you have a credit card? Do you have your money in a bank or credit union? Do you have a job? If you answer yes to any of those then you are affected by the market in some way
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