r/investing May 3, 09:20 AM
Am I missing something about investing? I’m trying to understand investing better, but one thing confuses me. If you already have a retirement account (super/401k type) contributing for 20–30 years, that already covers retirement. But people still invest separately in ETFs, stocks, crypto, etc for the same long-term horizon. What’s the actual plan with that extra money after retirement? Realistically by 60–70 you have less energy, simpler lifestyle, and your retirement account should cover living costs anyway. Also with inflation, something like $3M in 30 years might only feel like \~$1.5M today in buying power. So what’s the thought process behind building way more than you need, and why not spend more of it earlier in life when you actually have energy and time to enjoy it? Genuinely trying to understand the logic, not saying it’s wrong.
submitted by /u/SubjectAromatic8215
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