What about shifting to a more stable form of retirement instead of the DIY solutions (401ks, IRAs, etc.) pushed since the 80s? As great as they are, there's a lot of BS marketing around 401ks (unless you self manage) and while the market has consistent returns over time, the premise "past returns do not indicate future performance" still applies.
Before then there were pensions which seemed more stable. Only thing I wonder about them is what would happen to the pension if the company went out of business.
Before then there were pensions which seemed more stable. Only thing I wonder about them is what would happen to the pension if the company went out of business.