I can't get over how bad the naysayers are and I want to talk about this more than what I did on my video the other day.
https://crr.bc.edu/do-we-have-a-retirement-crisis/. and this
https://crr.bc.edu/the-national-retirement-risk-index-an-update-from-the-2022-scf/
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
https://www.morningstar.com/funds/most-stunning-fact-about-vanguards-etf-flows-2
This article shows people are pulling money out of mutual funds and putting it into index funds an example is VOO. Also Vanguard Primecap and Core fund opened the fund due to them both because of money being pulled out. INDEX ETF's way to go tax efficient and low expenses