if you watch or read about finances in the US all the morons just tell you to just blindly invest in the market and expect 7% adjusted for inflation annual returns, the problem is that assuming that the US GDP will grow by 2% adjusted for inflation (which is a big and generous assumption for many reasons), in 40 years time (when you retire) the US stock market cap (its already 213% of the gdp today) would be 16 times the GDP, at such a valuation the only way to justify such a cap is for the US public company's earning alone to be the entire GDP which make no sens and cant be possible, this bubble and ponzi scheme is not rationally sustainable even if the US become a total cyber punk dystopia entirely owned by big corporations and rich kikes (which is already on it way of becoming).