In general, savings and retirement plans have been devastated by misguided policies. Stage one of any financial plan is to understand the environment we find ourselves in.
https://www.mauldineconomics.com/images/uploads/pdf/2013_09_03_2OTB.pdf

Broken Money, Broken Markets
Today’s new highs are increasingly mechanical, not fundamental — and in a broken market, your 401(k) is the exit liquidity.

