[skellera]

While this whole post is off topic for this site, r/personalfinance has lost it ways in the past few years. everyone thinks their a stock market genius and no one is saving for the future because the market is full of gains. I'd really think carefully about any advice coming from there.

[zapperdapper]

I thought everyone was recommending index funds these days and holding them forever?

[fulafel]

That's not saving, because stock market goes up and down.