15 years from retirementThis is your key. Usually down turns don't last longer than 5 years. Yes, people will talk about the "lost decade", but if you keep putting money in, over time you will come out ahead more often than not.The only consession, when you get to 5 years from retirement, start putting your living/wants/needs expense money into laddered fixed income. 5 year CDs is the easiest.JLC
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