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.