Stock Market Tanking

[Goalpost]

(12-28-2018, 07:36 AM)ballsofsteel Wrote:  The stock market goes up and down up and down for the next thirty years. When you retire and need to withdraw funds what if its down? You lose correct? So aren't you gambling that its up when you need it ? Isn't it like a 50/50 chance? Those aren't very good odds.

My 401K is matched up front.  If I put 6 percent in, I get the same amount.  Albeit I cant touch it without penalty, but, where else can I get that kind of initial return?