OldWoodFrame ,

Putting a percentage of your income in the stock market is a very good idea. Even if you're a conspiracy person and you think a mysterious "them" controls the world, "them" are rich people who own stocks. They will make sure the value of stocks go up.

If you're not a conspiracy person, just look at history. The value of stocks always goes up in the long term, and you hold retirement accounts for the long term.

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