I’ve been lurking and posting on these forums for over a decade, and I’ve seen the same tired advice recycled endlessly: max out your 401(k), diversify with index funds, cut lattes to save for retirement. But let’s be real- in an era where AI is automating jobs faster than we can upskill, inflation is eating real wages, and governments are printing money like it’s going out of style, is this “set it and forget it” mentality just setting us up for a rude awakening?
I’m starting to question if the holy grail of passive investing is a myth peddled by Wall Street to keep us complacent. What if we need a more aggressive, adaptive strategy? Think reallocating aggressively into skills-based assets (like personal education funds or side-hustle incubators) rather than just parking everything in ETFs that track a market bloated by tech bubbles. Has anyone here stress-tested their portfolio against a scenario where, say, universal basic income disrupts traditional employment and tanks long-term savings projections? Or are we all just whistling past the graveyard, assuming the system’s rigged in our favor forever?
