[rayhendricks]

I started investing and saving for retirement in mid 2015, and the most I’ve made was just over 60k/yr.

Got about 50% total return since then (121k purchase & 61k return 183ish total). Mostly in VTSAX but the thing is, in late March 2020 I was negative returns, the market really does fluctuate and it is important to not act irrationally. Now it’s 50ish percent return since then.

Now the long game here is that based on my age I only had to put money into retirement for like 5-6years (employer match 401k + Roth contributions) now this will just be left until retirement in 30-40 years assuming the current approximate interest rate of 7-8%year inflation adjusted.

So yeah, just buy as much VTSAX and let it sit for decades. If that doesn’t work the economy of the United States is broken and you have bigger problems to worry about.