Retirement is a gamble for everyone now. Put your money in CDs (as many older folks have done) and the return you get is miniscule and eaten up by inflation, buy stocks or gold, and who knows? Spend it now before the government takes it? No matter what any of us do, we’re tooled.
God Loves, Jesus Saves, Moses Diversifies
Spread your investments among non-correlated asset classes and not everything will be horrible all at once