### Comment:
Why do I need luck?  If you invest most of your money in a 401k in SPY, you'll be just fine.  The rest is just a bonus (which I'm up on for the year).  If you aren't putting money in the stock market, you just don't like making free money over the long run.

### REPLY:
This ain’t a 401k sub. Of course everyone passively invests. But that does not mean the market is be definition designed to just go up forever. You need to look back throughout time. It took over 5 years to regain highs in 2000 and 2007. It’s not always up.

### END.