you know the market is screwed when....

[Grieve]

I didn't start 401k contributions until I was 32. :roll: And then just 5 years later it lost 42% of it's value in 2008, leaving me with a total slightly less than I'd contributed (much less if you factor in employee match). Since then returns have rocked, though. This year looks like being another good one...unless congress screws it up by shutting the government down or making the US default on it's debt...