I retired at 57 from college as a professor. The last 15 years I contributed the maximum into 403b and invested in the stock market with any excess cash. Not counting my pension I have a net worth now of around two million. The market has been great and I've been fortunate to pick some winners and cut loses on those whcih have not worked for me. It sounds to me that the thought I was doing ok message is depending on how long they have to retirement.