Money has been around a long time. But the modern foundation of money decisions—saving and investing—is based around concepts that are practically infants. Take retirement. At the end of 2018 there was $27 trillion in U.S. retirement accounts, making it the main driver of the common investor’s saving and investing decisions. But the entire concept of being entitled to retirement is, at most, two generations old.
It should surprise no one that many of us are bad at saving and investing for retirement. We’re not crazy. We’re all just newbies.
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