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

GDP Growth is a Scam
What appears to be healthy economic expansion in the headline Real GDP statistics can disguise a chronic and perpetual recession in the private sector, running on borrowed time, and heading

