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Max out 401k, IRA if eligible, mutual funds for the rest, live below you means. Don’t finance more than 30% of your income (after taxes!) on house, cars, or boats.

Live in or plan to move to a lower cost location during retirement.

Don’t be too stingy and enjoy life!

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I think you're misunderstanding what I was saying. I do all the normal things for investing/retirement. If nothing in the world changes I will retire comfortably and early.

My concern is that none of those things will matter in 30 years. Dumping money into 401ks/markets/property used to be sound investment advice. Today they feel more like speculation. Even holding USD/bonds is a gamble. I'm not talking about traditional risk tolerance like large/small cap or foreign markets.

They are probably still going to be relatively good, just be sure to avoid margin debt, options, etc, play it safe and expect lower returns.

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